Pwogram prè
Nòt kredi pou ipotèk: sa ki chanje nan septanm 2026
VantageScore 4.0 is broadly available to approved Fannie Mae and Freddie Mac lenders, and their pricing frameworks were aligned with Classic FICO beginning October 1. FHA follows a separate timetable.
Announcements: September 9–30, 2026 · GSE pricing alignment effective October 1, 2026 · FHA implementation announced for January 1, 2027
Fannie Mae: chanjman an antre an vigè
Fannie Mae pibliye LL-2026-06 nan dat 9 septanm 2026, ak efè imedya. Tout prestamis li apwouve yo kalifye pou bay epi livre prè ki satisfè kondisyon yo ak VantageScore 4.0. Prestamis ki poko pare nan operasyon yo toujou gen opsyon sèvi ak modèl Classic FICO ki akseptab.
Fannie Mae updated the letter on September 30 to align its loan-level price adjustments for Classic FICO and VantageScore 4.0. The alignment applies to whole loans purchased on or after October 1, 2026, and loans delivered into mortgage-backed securities with issue dates on or after October 1. Alignment at the agency level does not guarantee the same consumer rate or price from every lender.
Sous: Fannie Mae · LL-2026-06 · September 9, 2026 · Updated September 30, 2026
Freddie Mac: aksè pi laj, men adopsyon pa otomatik
Anons Freddie Mac 9 septanm nan retire kondisyon apwobasyon ekri davans pou vandè k ap itilize VantageScore 4.0 pou ipotèk ki kalifye. Sa elaji aksè a pi lwen pase premye aplikasyon limite a. Li pa detèmine ki modèl yon prestamis patikilye ap itilize pou demann ou.
On September 30, Freddie Mac also announced that credit fees across Classic FICO and VantageScore 4.0 were aligned to simplify seller pricing. Borrowers should still compare the lender's complete offer because agency fee alignment is only one input in retail mortgage pricing.
Sous: Freddie Mac · Credit Score Models · September 9 and September 30, 2026
FHA: yon dat nan lavni, pa yon ranplasman aktyèl
Nan dat 10 septanm, FHA INFO 2026-21 anonse aplikasyon VantageScore 4.0 ak FICO Score 10T ansanm ak Classic FICO pou 1ye janvye 2027. Mizajou TOTAL la kouvri ipotèk Title II ki pa ipotèk ranvèse, ki gen nimewo dosye asiyen apati dat sa a. Gid preparasyon an pa chanje règleman aktyèl la. Direktiv ki la yo kontinye jouk mizajou fòmèl yo parèt.
Yon nouvo modèl pa vle di yon sèl rapò kredi
Mizajou FHFA 9 septanm nan di etap sa a pa chanje kondisyon rapò kredi ki egziste yo. Tout prete sou menm prè a dwe sèvi ak menm modèl nòt la. FICO Score 10T poko akseptab pou prè yo livre bay Fannie Mae oswa Freddie Mac. Pa aplike dat FHA prevwa pou lavni an nan pwogram sa yo.
Kesyon pou revizyon prè ou
Konsèy pratik Bravo: konfime pwogram prè ak prestamis reyèl la anvan ou chanje plan acha ou. Yon lòt modèl pa yon pwomès apwobasyon, yon pi bon nòt oswa depans finansman ki pi ba.
- Ki modèl nòt kredi yo pral itilize pou demann sa a?
- Èske prestamis la pare pou aksepte modèl la pou pwogram prè sa a?
- Ki dokiman ak kondisyon ki toujou nesesè?
Sous yo revize nan dat 5 oktòb 2026