FHFA says Fannie, Freddie will use one LLPA grid for FICO and VantageScore

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HousingWire reports that the Federal Housing Finance Agency will align Fannie Mae and Freddie Mac around a single Loan-Level Price Adjustment grid for both FICO and VantageScore, a shift that comes after lenders weighed in following the recent approval of VantageScore 4.0 for eligible conventional loans. The move means borrowers and lenders will face one standardized pricing framework regardless of which credit model applies, reducing the friction of dual-score underwriting.

For investors and self-employed borrowers navigating this tighter scoring environment, the change underscores why financing strategy matters as much as property selection. loantrust.ai works directly with clients across DSCR, fix-and-flip, bridge, and bank-statement programs, with one licensed MLO personally packaging each file rather than routing it through a call center. That structure becomes more relevant when conventional channels tighten their criteria, as investors often need to demonstrate cash flow at the property level or qualify through alternative documentation.

A single LLPA grid does not eliminate the advantage of knowing which program fits which borrower. It does, however, make the margin for error thinner on the conventional side, which pushes more sophisticated borrowers toward brokers who can match them to the right non-QM or investor product without the overhead of institutional assembly lines. loantrust.ai operates directly in that space, and the current moment rewards that precision.