VantageScore 4.0 Is Now Available to All Fannie Mae and Freddie Mac Lenders

A major change to mortgage credit scoring is now underway. VantageScore 4.0 is now available to all Fannie Mae and Freddie Mac-approved lenders for eligible conventional mortgages. The two government-sponsored enterprises announced the expanded availability on September 9, 2026, following an initial limited rollout to approved lenders. That means VantageScore 4.0 is no longer limited […]

FHA’s New Credit Scoring Models: What VantageScore 4.0 Could Mean for 2027 Homebuyers

If you’ve talked to me about a home loan, you know I like to keep things simple. So when I say the FHA is preparing to add new credit scoring models to the models it allows for mortgage underwriting, I want to break down exactly what that means, where it’s coming from, and how it […]

The Future of Mortgage Credit: What the Shift to VantageScore 4.0 Means for Homebuyers

For nearly three decades, qualifying for a home loan has meant relying almost exclusively on a single mortgage credit score model: Classic FICO. While your credit score has always been one of the most important factors in mortgage approval, the housing finance industry is now undergoing one of the most significant credit scoring changes in […]

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