Mortgage credit scores: agency updates through October 2026

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: the final score-selection method begins January 1, 2027

Mortgagee Letter 2026-11, published October 8, formalizes the use of VantageScore 4.0 and FICO Score 10T alongside Classic FICO for all FHA-insured Title II single-family programs with case numbers assigned on or after January 1, 2027. It does not change how cases assigned before that date are evaluated.

For each submitted score model, the lender selects the middle of three differing repository scores, the lower of two differing scores, or the only available score. If more than one model is submitted, the borrower's score is the lowest selected result across those models. The transaction's Minimum Decision Credit Score is then the lowest borrower-level score among all borrowers with scores.

FHA continues to require a tri-merge credit report, and its existing minimum score thresholds remain unchanged regardless of the model used. The same submitted model types must be used for every borrower on the loan. A new model does not guarantee approval or a higher qualifying score.

Sous: HUD · FHA Mortgagee Letter 2026-11 · October 8, 2026 · Effective January 1, 2027

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.

Sous: FHFA · Credit Scores · September 9, 2026

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?