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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.

Lenders are to review the rate sheet for the base rate for Fannie Mae's HFA Preferred over 80% AMI loan product as well as Standard Conventional and Conventional Cash-Out refinance loans. Add the computed LLPA fee rate add-on(s) below to the base rate.

You can request LLPAs be applied as fees instead of rate add-ons. Refer to Fannie Mae's LLPA fee matrix for what those fees would be. Only the base and cash-out LLPA fees are included in the rate add-ons below. Additional LLPA fees may apply (i.e. for manufactured homes and condos).

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 and still apply.

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 0.125
720 - 739 0.000 0.125 0.125 0.125 0.125 0.125 0.125 0.250
700 - 719 0.000 0.125 0.250 0.375 0.250 0.250 0.250 0.375
680 - 699 0.000 0.125 0.375 0.375 0.375 0.375 0.375 0.375
660 - 679 0.000 0.250 0.625 0.750 0.750 0.625 0.625 0.625
640 - 659 0.125 0.375 0.750 0.875 0.875 0.750 0.750 0.750
620 - 639 0.125 0.375 0.875 0.875 0.875 0.875 0.875 0.875
619 or below 0.125 0.375 0.875 0.875 0.875 0.875 0.875 1.000
Chart Information
Chart Published January 26, 2022 02:27:32 PM

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 0.125 0.125 0.250
720 - 739 0.125 0.250 0.250 0.250
700 - 719 0.125 0.250 0.250 0.250
680 - 699 0.125 0.250 0.250 0.375
660 - 679 0.125 0.250 0.250 0.500
640 - 659 0.125 0.375 0.375 0.750
620 - 639 0.125 0.375 0.375 0.875
619 or below 0.375 0.750 0.750 0.875
Chart Information
Chart Published January 26, 2022 02:28:40 PM

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