To support the newly published LPA system-to-system specification v6.0, April’s Loan Product Advisor® (LPA®) release introduces a transformed feedback certificate, faster identification of employment representation and warranty (R&W) relief eligibility and early insights into whether a loan may receive an Accept risk class. See what else is new with v6.0 and additional feedback message updates.

April LPA Release

The April LPA Release Notes include:

  • Upcoming trended data requirement for U.S. Department of Veterans Affairs (VA) loans, effective June 2025
  • Message updates to align with the refactoring of Single-Family Seller/Servicer Guide (Guide) Chapters 5306, 4204 and 4504.
  • New messagepdf that streamlines existing marital status error messages into a single message. 
  • New features with LPA v6.0
    • Transformed feedback certificate to assist your consumption of essential information
    • New indicator shield for employment R&W relief to help you quickly identify eligibility 
    • Introduction of LPA check, which assesses minimal data points to provide early insight into whether a loan may receive an Accept risk class
    • Defaulting of several data points for easier delivery of the Request File
    • Retirement of HVE as a valid document type
  • New messagespdf to support expanded eligibility for hybrid appraisals, as announced in Guide Bulletin 2025-1.

For full details, review the April LPA release notespdf and check out the full list of April feedback message updatespdf.

Feedback Messages Effective Soon

Here’s a preview of feedback messages that will be effective in May 2025:

  • Title reissue – New messagepdf will indicate potential eligibility for a title insurance reissue rate based on the state and age of the loan being refinanced to help you reduce costs for your borrower.
  • Debt – Updated messagepdf will provide additional detail for debt being paid off at/before closing.

Reminder: Condo Project Message Updates

Effective March 23, updated messages will indicate the eligibility status of a condominium project to provide early insights into whether a condominium unit mortgage may be eligible for sale to Freddie Mac. We’re revising an existing message to remind you to validate the accuracy of the submitted condo project address. Review the message updatespdf.