『LLPAs Exposed: How FICO, Down Payment & Hidden Fees Are Crushing Homebuyers』のカバーアート

LLPAs Exposed: How FICO, Down Payment & Hidden Fees Are Crushing Homebuyers

LLPAs Exposed: How FICO, Down Payment & Hidden Fees Are Crushing Homebuyers

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 In this episode of Market Shares, Tony Blodgett pulls back the curtain on loan-level price adjustments (LLPAs) and why they’re silently driving up mortgage costs for buyers, investors, and even cash-out refinancers.

From second homes and investment properties to cash-out refinances, Tony walks through the numbers that most people don’t see—and how even a good credit score or decent down payment can still trigger thousands of dollars in hidden fees.

We also dive into why Fed rate cuts haven’t lowered mortgage rates, the surprising profits of Fannie Mae and Freddie Mac, and how Barry Habib is working with the FHFA to push for much-needed relief. Whether you’re a homebuyer, real estate agent, or loan officer, this episode will give you the clarity you need to understand mortgage pricing today—and what could change soon.

📌 Topics We Cover
  • How LLPAs are calculated: FICO score, down payment, and property type
  • Real examples of the cost impact on borrowers: second homes, investment properties, and cash-out refinances
  • How LLPAs can make certain loans almost impossible to offer
  • Why interest rates vary widely even between similar borrowers
  • Fannie Mae and Freddie Mac profits vs. the justification for high LLPAs
  • Barry Habib’s role in influencing FHFA discussions on LLPA reform
  • Early signs of relief for non-owner occupied properties and cash-out refinances
  • How LLPA adjustments affect homebuyers’ finances and potential homeownership opportunities
🏡 Want to advise clients like a pro? Discover how LLPAs, credit, and property type affect pricing—and how to navigate the system.
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📌 New episodes drop every Friday at 10 AM PT!
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