To clear up the confusion and offer facts concerning the Biden administration's mortgage rate adjustments, it must be noted that LLPAs are changing in a way that benefits those with lower credit scores and disadvantages those with higher credit scores. However, people are mistaking the change for the actual cost. This means that a low credit borrower will not pay less than a high credit borrower, but the gap between what they pay is smaller than it was. The change amounts to a tweak of an existing fee structure, which favors those with lower credit scores and disadvantages those with higher credit scores. In other words, there is no scenario where someone with lower credit will have a lower fee.