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Buy

Standard Loans

Conventional 30-Yr
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Jumbo Loans
FHA Loans
VA Loans

Affordable Loans

Home Possible
FHA Zero Down
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Homes for Heroes

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How Mortgage Rates Are Determined: The Four Layers in Your Rate

Mortgage Rates

Sukesh Shekar

Sukesh Shekar

How Mortgage Rates Are Determined: The Four Layers in Your Rate

How mortgage rates are determined: the bond market, MBS spreads, LLPA risk fees and loan officer pay. See which layers you can lower before you lock.

Oct 22, 2026

LLPAs Explained: The Fannie Mae Fee Built Into Your Mortgage Rate

Mortgage Rates

Sukesh Shekar

Sukesh Shekar

LLPAs Explained: The Fannie Mae Fee Built Into Your Mortgage Rate

What is an LLPA? How Fannie Mae's loan-level price adjustments raise your mortgage rate, how to read the LLPA matrix, and who can get them waived.

Oct 22, 2026

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Standard Loans

Conventional 30-Yr

20-Year Fixed

Jumbo Loans

FHA Loans

VA Loans

Affordable Loans

Home Possible

FHA Zero Down

Chenoa Fund DPA

Homes for Heroes

Investor Loans

DSCR Loan

Bank Statement Loan

Asset Depletion Loan

Specialty Loans

Doctor Loans

Buy Before You Sell

The 40-Yr Mortgage

Foreign National Loan

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Customize your Refi

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