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hi and thanks for joining me today to talk about the new loan level pricing adjustments that Fannie and Freddie have announced beginning May 1st this is going to change the mortgage world its going to change the real estate world where were going to have to now advise our clients differently as rates get lower the cost is still going to go up starting in May because of these loan level pricing adjustments and Ill have all the text and everything on the the text portion of this email the links to Fannie and Freddie so you can check this out and educate your clients going forward but this is some pretty big news lets go to the charts so this is the chart of just the loan to value that were going to see going forward specifically they added a couple credit tiers so 740 used to be our cutoff now were 741 uh or 740 to 759 760 to 779 and then 780 is the new cutoff so 639 being the low 780 being the high 97 percent loan to value so at perfect credit 780 credit score five percent down c