Help Centre

Last updated: September 11, 2026

Getting started

Adjustmentledger is a single-purpose calculator. Enter a handful of loan characteristics — FICO band, LTV, purpose, occupancy, property type, loan amount, and lock period — and receive a stacked ledger of every loan-level price adjustment (LLPA) that applies. Each line names the grid it came from, the exact cell that matched, and the effective date.

Go to the calculator page.
Select each loan characteristic from the dropdowns. Every field is required — the calculator will not produce a result until all seven inputs are chosen.
Click "Calculate adjustments".
Read the ledger: your base price, each adjustment with its source citation, and the final price. Every row is checkable against the published Fannie Mae matrix.

No account, no login, no saved data. Everything runs in your browser — close the page and your scenario is gone.

Frequently asked questions

Why did my mortgage rate change between the quote and the lock?

A rate change often signals that loan-level price adjustments were applied between the initial quote and the formal lock. Your lender may have re-evaluated your FICO band, LTV, or occupancy and found a different cell in the LLPA matrix. The Adjustmentledger calculator exists to make those adjustments visible — enter your loan characteristics and see which cells matched, by how much, and from which grid. Share the output with your loan officer to ask "is this the grid you're using?"

How do I verify the calculator's output against the published grid?

Every adjustment row includes the grid name, the effective date, and the exact cell that matched (e.g. "FICO 680–699 × LTV 80.01–85%"). Open the published Fannie Mae Conventional Loan-Level Price Adjustment Matrix for that effective date, find the cell, and confirm the value matches. The grid data used by the calculator is also visible as static JSON files — see the terms of use for the full disclaimer about manual extraction.

What does "outside the published grid" mean?

If a FICO score falls below the lowest band in the grid, or an LTV ratio exceeds the highest published band, the calculator says "outside the published grid" rather than guessing. It never extrapolates, clamps silently to the nearest cell, or invents a number. When you see this, the grid simply does not cover your combination — consult your lender directly.

Where does the grid data come from, and how current is it?

The calculator uses the Fannie Mae Conventional Loan-Level Price Adjustment Matrix. The data was manually extracted from the published PDF document. The effective date of the loaded grid is shown in the footer of the calculator page and on every results page. The grid is updated at irregular intervals — see the known limitations section for what this means in practice.

No live data feed or API is consulted during a calculation. The grid data is a static file loaded from the same server that serves this page.

Do you store my loan information?

No. Adjustmentledger has no server-side data storage, no user accounts, no login system, and no session management. All calculation happens in your browser. The information you enter never leaves your device. There is nothing to log in to, and nothing to save.

Because there is no server storage, there is also no way to recover a scenario if you close or refresh the page. If you want to keep a record, copy the ledger output before closing the tab.

Is this a rate quote, approval, or offer of credit?

No. The output of this calculator is arithmetic on a published grid. It is not a rate quote, a lock, a pre-approval, a commitment to lend, or an offer of credit. Every page carrying a calculator result displays a disclaimer to this effect. Verify every adjustment against the published source, and consult a qualified mortgage professional before making any financial decision.

The result doesn't match what my lender told me — why?

Several factors can explain a difference:

Different grid version. Your lender may be using a different effective date or a different investor's grid (Freddie Mac, FHA, USDA — none of which are yet loaded in this calculator).
Additional adjustments. Your lender may be applying lender-specific overlays, rate-term pricing grids, or bulk adjustments that sit on top of the base LLPA matrix. This calculator shows only the base LLPA grid adjustments.
Stacking order. If the adjustment values are the same but the total differs, the order in which adjustments are stacked may differ from what the calculator uses.
Manual extraction error. The grid data was manually extracted from a PDF. There is a risk of transcription error. Always verify against the published source.

Share the calculator's output with your loan officer and ask them to walk through which grid and effective date they are using.

Will there be more grid sources — Freddie Mac, FHA, USDA?

Additional grid sources are planned but not yet built. The pricing page lists Freddie Mac, FHA, and USDA grids under the planned "Pro" tier. No work has begun on those grids, and no release date has been set. If you need adjustments for those investors today, the calculator cannot help yet.

Can I export the results to a spreadsheet or PDF?

Export to CSV is listed as a planned feature but is not yet available. For now, the easiest way to save your ledger is to select the output text and copy it into your own document or spreadsheet.

Known limitations

The following items are honest descriptions of what the product does not do, so you can use it with informed expectations.

One grid source only. The calculator currently loads only the Fannie Mae Conventional Loan-Level Price Adjustment Matrix. Freddie Mac, FHA, USDA, and other investor grids are not available.
Grid data is manually extracted. The values were copied from a published PDF by hand. Errors in transcription are possible. Always verify every adjustment against the original published matrix before relying on the result.
Grid is updated periodically, not continuously. The loaded grid has an effective date shown in the calculator footer. If a new matrix is published, there may be a lag before it is extracted and deployed. No live feed or automated update exists.
No rate sheet or lender pricing. The calculator reflects the published base LLPA grid only. It does not reflect any lender-specific pricing, rate sheet adjustments, or secondary market execution. Your actual rate and price depend on factors beyond what this tool computes.
No email, alerts, or notifications. The product has no capability to send email. It will never request your email address or send you rate-change alerts, reminders, or digests.
No accounts, no saved scenarios. There is no login system. Every calculation is ephemeral and lost when you close the page. If you need a record, copy the output before navigating away.
Paid tiers not available. The "Pro" and "Enterprise" tiers described on the pricing page are planned and have not been built, priced, or released. No billing system is connected.
Demo checkout is a simulation. The subscription form on the pricing page is a client-side demonstration. No payment processor is connected, and no real payment is taken or processed.
No legal entity. The operator of this product has not yet established a registered company or jurisdiction. This limits the product's ability to make legally binding representations. See the terms of use for details.

Contact us

If you cannot find what you need above, or if you have a question the FAQs do not answer, email us at adjustmentledger@agen2ic.ai.

The agen2ic.ai mail system accepts messages at any local part, so mail sent to adjustmentledger@agen2ic.ai reaches a human directly and identifies which product your message is about. For the fastest response, please include:

The loan characteristics you entered (FICO band, LTV, purpose, etc.)
The calculator output or a description of what you expected vs. what you saw
Which grid and effective date you are comparing against, if relevant

There is no phone number, live chat, or postal address yet. Email is the only contact route currently available.

This is not a rate quote, not an offer of credit, and not an approval. It is arithmetic on published grids. Every adjustment shown cites the grid and its effective date — verify against the source before relying on it.