Conforming Loan Risk-Based Adjustments

*** For complete risk-based pricing adjustment info directly from Fannie Mae, please click here. ***

Risk-based adjustments modify best-case loan pricing to compensate for risks associated with a specific loan scenario. The following tables represent Conforming loan risk-based pricing adjustments currently in place throughout the industry. Please note the following:

• Conforming loan risk-based adjustments are set by Fannie Mae and Freddie Mac (the "Agencies"), not by individual financial institutions. Adjustments apply to all banks and lenders offering loans which conform to Fannie Mae and Freddie Mac standards ("Conforming loans").
• These tables show FICO/LTV adjustments only. Other adjustments are in effect, such as for condominiums, multi-family homes, non-owner occupied properties, My Community/Home Possible programs, small loan amounts and other factors.
• Cash-out Refinance and Subordinate Financing adjustments, when applicable, are in addition to adjustments shown in Agency FICO/LTV table.
• Adjustments are to points (not rate). Risk-based point add-ons may, subject to market conditions, be covered through a rate adjustment to avoid paying them out of pocket.
• Adjustments can change. Tables below may become outdated before we have a change to post an update, and should be used for general guidance purposes only.
• Adjustment tables are not guidelines and do not indicate loan availability.