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Cash Payups for Mortgages with Specified Attributes

Improve your best execution decisions with cash payups

Freddie Mac offers a payup to standard cash pricing for fixed-rate mortgages with certain loan attributes, such as original Note amounts less than $200,000.

In Freddie Mac’s Loan Selling Advisor® , you'll be able to view our latest payup indicators, reflected in basis points, across different amortization periods and for various note ranges. The information is available in PDF and XML formats and is updated daily.

Feature Description
Specified Attributes
  • Low loan balances (LLBs): $85K, $110K, $125K, $150K, $175K and $200K
  • Property in New York (NY)
  • Borrower FICO® score < 700
  • Investment
  • Super conforming
Eligible Mortgages

15-, 20- and 30-year fixed-rate mortgages

Ineligible Mortgages
  • ARMs
  • 10-year mortgages are not eligible for the LLB payup amounts
  • Mortgages with LTV ratios greater than 105 percent
  • Super conforming mortgages are not eligible for additional payups based on the following attributes: Property in NY, Investment, or FICO < 700
General Requirements
  • Mortgages must meet the eligibility requirements outlined in your Purchase Documents, including the Single-Family Seller/Servicer Guide
  • Mortgages priced with attributes eligible for payups and super conforming mortgages subject to price adjustments are excluded from the calculation of the monthly threshold of super conforming mortgages that a Seller may sell to Freddie Mac, as referenced in the Single-Family Seller/Servicer Guide
  • Mandatory contracts only
  • Payup pricing is eligible for contract periods up to 60 days
Eligible Executions
  • Mandatory Retained
  • Mandatory Released

Key Benefits

  • Additional opportunities to improve your best execution for cash
  • Premium prices for loans with specified attributes
  • Payups are eligible for commitment periods up to 60 days

For More Information

The information found on this page is not a replacement or substitute for information found in the Single-Family Seller/Servicer Guide and/or the terms of your Master Agreement and/or other Pricing Identifier Terms.

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