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For LLPA rate adjustments and other lock questions, email [email protected].

PLEASE NOTE; THIS CHART IS A COMPUTED RATE ADD ON IN LIEU OF THE LLPA FEE CHART.

Please review the rate sheet to determine the base rate for Standard Conventional purchase and refinance loans. The computed LLPA rate add-on(s) are added to the base rate. The charts for Purchase, Rate/Term refinance and Cash-out refinance loans are shown below. Additional LLPA fees may apply (i.e. for manufactured homes and condos).

You can request LLPAs be applied as fees instead of rate add-ons. Refer to Fannie Mae's LLPA fee matrix for the applicable fees.

Rate add-ons are updated daily and are subject to change without notice.

*When using Freddie Mac for Standard Conventional products, LLPAs are known as Credit Fees.

CONTACT INFORMATION

  • Toll Free 855.505.4700
  • 208.331.4700

Conventional Purchase Rate Add-On Chart
30.01 - 60% 60.01 - 70% 70.01 - 75% 75.01 - 80% 80.01 - 85% 85.01 - 90% 90.01 - 95% Greater Than 95%
Greater Than or Equal to 780 0.000 0.000 0.000 0.125 0.125 0.125 0.125 0.125
760 - 779 0.000 0.000 0.125 0.125 0.125 0.125 0.125 0.125
740 - 759 0.000 0.125 0.125 0.375 0.375 0.125 0.125 0.125
720 - 739 0.000 0.125 0.125 0.500 0.500 0.375 0.375 0.125
700 - 719 0.000 0.125 0.375 0.500 0.625 0.500 0.500 0.375
680 - 699 0.000 0.125 0.500 0.625 0.750 0.625 0.500 0.500
660 - 679 0.000 0.125 0.500 0.750 1.125 0.625 0.625 0.500
640 - 659 0.000 0.500 0.625 1.125 1.250 1.000 0.750 0.625
Less Than or Equal to 639 0.125 0.625 1.125 1.250 1.375 1.250 1.125 0.625
Chart Information
Chart Published April 12, 2024 09:46:23 AM

Applicable for all loans with terms greater than 15 years.

LLPA fee for Condo and Manufactured Homes

CondoManufactured Home
0.75% fee for 75.01% LTV or higher0.50% Fee for all LTVs
Rate Term Refi Rate Add-On Chart
30.01 - 60% 60.01 - 70% 70.01 - 75% 75.01 - 80% 80.01 - 85% 85.01 - 90% 90.01 - 95% Greater Than 95%
Greater Than or Equal to 780 0.000 0.000 0.125 0.125 0.125 0.125 0.125 0.125
760 - 779 0.000 0.125 0.125 0.375 0.375 0.125 0.125 0.125
740 - 759 0.000 0.125 0.125 0.500 0.500 0.500 0.375 0.375
720 - 739 0.000 0.125 0.375 0.625 0.625 0.625 0.500 0.500
700 - 719 0.000 0.125 0.500 0.750 1.125 0.625 0.625 0.625
680 - 699 0.000 0.375 0.625 1.125 1.250 1.125 0.625 0.625
660 - 679 0.125 0.500 0.750 1.250 1.375 1.125 1.125 1.125
640 - 659 0.125 0.500 1.125 1.375 1.500 1.375 1.250 1.250
Less Than or Equal to 639 0.125 0.625 1.250 1.500 1.625 1.500 1.250 1.250
Chart Information
Chart Published April 12, 2024 10:01:21 AM

Applicable for all loans with terms greater than 15 years.

LLPA fee for Condos and Manufactured Homes

CondoManufactured Home
0.75% fee for 75.01% LTV or higher0.50% Fee for all LTVs
Cash-Out Refi Rate Add-On Chart
Less Than or Equal to 30% 30.01 - 60% 60.01 - 70% 70.01 - 75% 75.01 - 80%
Greater Than or Equal to 780 0.125 0.125 0.125 0.375 0.500
760 - 779 0.125 0.125 0.375 0.500 0.750
740 - 759 0.125 0.125 0.375 0.625 1.125
720 - 739 0.125 0.125 0.500 1.000 1.250
700 - 719 0.125 0.125 0.625 1.250 1.500
680 - 699 0.125 0.125 1.000 1.375 1.625
660 - 679 0.125 0.375 1.250 1.625 1.875
640 - 659 0.125 0.500 1.375 1.875 2.000
Less Than or Equal to 639 0.125 0.500 1.500 2.000 2.000
Chart Information
Chart Published April 12, 2024 10:02:02 AM

Applicable for all loan terms.

LLPA fee for Condos and Manufactured Homes

CondoManufactured Home
0.75% fee for 75.01% LTV or higher0.50% Fee for all LTVs