Loan Product Advisor^®

Loan Product Advisor^® (LPA^®) is Freddie Mac’s automated underwriting system (AUS) designed to provide greater certainty that loans meet Freddie Mac eligibility requirements.

Use LPA to Uncover Every Eligibility Opportunity

Discover the newest LPA enhancements, designed to give you the information you need to speed up your process. Key updates include:

A redesigned, simplified feedback certificate that gives you the information you need quickly and clearly
Streamlined feedback messages help drive a more efficient workflow

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Latest LPA Release

We’re continuing efforts to streamline hundreds of our feedback messages. We’ll also implement messages to support the new Condo Project Advisor^® Seller Review Certification policy for condo projects, new employment/income and asset grids for government loans and more.

See What’s New

LPA Feedback Redesign: Drive Efficiency and Uncover Opportunity

A redesigned feedback certificate helps speed up your intake of essential information - giving you more opportunities to make home possible.

2025 Cost to Originate Study

Today, lenders are increasingly experiencing rising costs and depressed revenues, incomes and margins. With growing costs and lower production revenues, how can lenders stay efficient and competitive in today’s market environment?

Automated Collateral Evaluation (ACE)

LPA digital capability that allows you to originate certain loans without a traditional appraisal. Reduce cycle time and save the borrower closing costs.

Asset and Income Modeler (AIM)

LPA digital capability that automates income, asset and employment verifications. Reduce documentation needs and speed up your borrower qualifications.

Freddie Mac Income Calculator

Calculate borrower income with ease and confidence. Use the results independently or with an LPA submission for potential R&W relief eligibility.

LPA Version Transition Resources

Get relevant resources, notice of important dates and access to the latest information related to LPA specification version transition.

LPA Creates Real Impact for Your Business

Improve the borrower experience and foster sustainable homeownership. Get Access

Uncover Opportunity
Automate Processes
Save Time and Money
Close with Confidence

Uncover More Homeownership Opportunities

Don’t abandon a Caution loan ever again. LPA clearly identifies ways, such as using borrower cash flow assessment or rent payment history, to positively impact the risk assessment and may turn Cautions into Accepts.

LPA Choice feedback messages also provide actionable information about our purchase requirements that can help you make faster, informed decisions about how to proceed. Messages use dynamic data points for three specific loan characteristics:

Debt-to-income (DTI) ratio
Loan-to-value (LTV) ratios
Reserves

Automate Key Steps in Your Process

Automated capabilities, like AIM and ACE, use trusted data so you can reduce the documentation burden and time spent underwriting – giving you more time to make more loans.

Digital verification:

Direct and instant data
Focused feedback
Consistent rules applied
Automated checks

Save Time and Money, for You and Your Borrowers

Lenders using LPA automated capabilities at high rates:

Save an average of $1,700 per loan
Save 5 days in cycle time
Nearly double net margins

Learn more from our Cost to Originate Study.

Close with Confidence

The downstream impact of using LPA helps you reduce loan defects and reduce repurchase risk.

“Loans may receive representation and warranty (R&W) relief eligibility results when using AIM to assess income, asset and employment data. The insight is only available through LPA, so paying attention to the feedback certificate is key to potentially closing faster and maximizing investments.” – Key Bank Sets a New Trajectory with Automation

What is Loan Product Advisor and How Does it Work?

Loan Product Advisor is Freddie Mac’s Automated Underwriting System (AUS) that assesses a mortgage’s eligibility for purchase by Freddie Mac, eligibility for representation and warranty relief, and eligibility for appraisal alternatives. It provides lenders with an easy-to-read feedback certificate and actionable insights to help create efficiencies.

Capabilities within LPA can help lenders simplify their loan origination processes, accelerate their loan approvals, and provide a seamless origination experience. Additionally, these capabilities may enable lenders to expand homeownership opportunities for qualified borrowers.

Training Resources