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In order to be consistent with mortgage industry standards, Loan Level Price Adjustments (LLPA's) have changed from a rate adjustment to a fee. These charts reflect the current Fannie Mae and Freddie Mac LLPA charts. This change is effective with applications dated March 29, 2018.

For LLPA rate adjustments and other lock questions, email lockdesk@ihfa.org.

LLPA's do not apply to Fannie Mae HFA Preferred or Freddie Mac Home Possible Advantage products.

CONTACT INFORMATION

  • Toll Free 855.505.4700
  • 208.331.4700
Conventional
Less than 60% 60.01 - 70% 70.01 - 75% 75.01 - 80% 80.01 - 85% 85.01 - 90% 90.01 - 95% 95.01 - 97%
740 or above 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.750
720 - 739 0.000 0.250 0.500 0.750 0.500 0.500 0.500 1.000
700 - 719 0.000 0.500 1.000 1.250 1.000 1.000 1.000 1.500
680 - 699 0.000 0.500 1.250 1.750 1.500 1.250 1.250 1.500
660 - 679 0.000 1.000 2.250 2.750 2.750 2.250 2.250 2.250
640 - 659 0.500 1.250 2.750 3.000 3.250 2.750 2.750 2.750
620 - 639 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500
619 or below 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.750
Chart Information

Applicable for all loans with terms greater than 15 years.

LLPA for Condo and Manufactured Homes

CondoManufactured Home
Add 0.75% for 75% LTV or higherAdd 0.50% for all
Cash-Out Refi
Less than 60% 60.01 - 70% 70.01 - 75% 75.01 - 80%
740 or above 0.375 0.625 0.625 0.875
720 - 739 0.375 1.000 1.000 1.125
700 - 719 0.375 1.000 1.000 1.125
680 - 699 0.375 1.125 1.125 1.750
660 - 679 0.625 1.125 1.125 1.875
640 - 659 0.625 1.625 1.625 2.625
620 - 639 0.625 1.625 1.625 3.125
619 or below 1.625 2.625 2.625 3.125
Chart Information

Applicable for all loan terms (combine with Conventional table above).

LLPA for Condos (no manufactured homes)

Condo
Add 0.75% for 75% LTV or higher