Please Wait
Working Please Wait...

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

LLPA's do not apply to Freddie Mac Advantage products.

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

Lenders are to review the rate sheet for the base rate for the Fannie Mae HFA Preferred over 80% AMI loans with DU case #'s dated September 5th and after, as well as the cash out refinance loans. Add this computed add-on rate below to the base rate.

Other LLPA's are required for manufactured homes and condos. Contact the lock desk for those rate add ons.

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

CONTACT INFORMATION

  • Toll Free 855.505.4700
  • 208.331.4700

Conventional and Fannie HFA Preferred over 80% AMI Rate Add-On Chart
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 0.125 0.125 0.125 0.125 0.125 0.125 0.250
720 - 739 0.000 0.125 0.125 0.250 0.125 0.125 0.125 0.375
700 - 719 0.000 0.125 0.375 0.500 0.375 0.375 0.375 0.500
680 - 699 0.000 0.125 0.500 0.625 0.500 0.500 0.500 0.500
660 - 679 0.000 0.375 0.875 1.000 1.000 0.875 0.875 0.875
640 - 659 0.125 0.500 1.000 1.125 1.250 1.000 1.000 1.000
620 - 639 0.125 0.500 1.125 1.125 1.250 1.250 1.250 1.375
619 or below 0.125 0.500 1.125 1.125 1.250 1.250 1.250 1.375
Chart Information
Chart Published October 11, 2019 08:46:42 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% LTV or higher0.50% Fee for all LTVs
Cash-Out Refi Rate Add-On Chart
Less than 60% 60.01 - 70% 70.01 - 75% 75.01 - 80%
740 or above 0.125 0.250 0.250 0.375
720 - 739 0.125 0.375 0.375 0.375
700 - 719 0.125 0.375 0.375 0.375
680 - 699 0.125 0.375 0.375 0.625
660 - 679 0.250 0.375 0.375 0.750
640 - 659 0.250 0.625 0.625 1.000
620 - 639 0.250 0.625 0.625 1.250
619 or below 0.625 1.000 1.000 1.250
Chart Information
Chart Published October 11, 2019 08:45:34 AM

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

LLPA fee for Condos (no Manufactured Homes)

Condo
0.75% fee for 75% LTV or higher