Show me the adjustments.

How it works

1. 1

   Enter your loan characteristics

   FICO band, LTV, purpose (purchase, rate-term refi, or cash-out), occupancy, property type, loan amount, and lock period.

2. 2

   Receive the stacked ledger

   Each adjustment is shown as a separate line: the adjustment value, the grid it came from, the exact cell that matched, and the effective date of the published matrix.

3. 3

   Verify against the source

   Every adjustment cites the published Fannie Mae LLPA matrix and its effective date. Anyone holding the same grid can check each row.

Why this exists

A loan officer or borrower stares at a rate that moved between the quote and the lock, and hears "adjustments" with no breakdown. The pricing analyst manually stacks adjustments in a spreadsheet 500 times a month and wants a second pair of eyes.

The arithmetic is completely determined by published grids. Fannie Mae publishes its loan-level price adjustment matrix. This product's whole job is applying it correctly, in the right stacking order, and showing its work — every row is checkable against a document the visitor can open.

What you get

• Named adjustments, not a single number.
  Base price: 100.500. FICO adjustment: −1.500. Cash-out refi: −0.375. Investment property: −2.125. Each row is named, sourced, and verifiable.
• Every row cites its grid.
  Each adjustment names the published matrix, the effective date, and the cell that matched the input.
• Outside-the-grid inputs are flagged.
  If a FICO falls below the lowest band or an LTV exceeds the highest, the calculator says "outside the published grid" — it never extrapolates or clamps silently.
• No account, no saved data, no email.
  This product stores nothing. Enter your scenario, see the ledger, close the tab. There is nothing to log in to.