04/24/2026
π¨ Big Shift in Home Buying Rules (This Could Matter More Than You Think)
A new change to how mortgages are approved could open the door for millions more buyers across the country.
Fannie Mae and Freddie Mac are moving toward credit models that can include things like:
βοΈ Rent payment history
βοΈ Utility payments
βοΈ More real-life financial behavior
π Translation: People who were previously βon the edgeβ of qualifying may now have a real shot at homeownership.
From a Utah perspective, this is something to watch closely. If more buyers enter the market, it can impact:
β’ Demand
β’ Pricing
β’ Competition
Curious what you thinkβ
Should rent and utilities count toward qualifying for a home loan?
If youβve been wondering whether you might qualify (or qualify for more), this might be worth a quick conversation.
Fannie Mae and Freddie Mac will accept VantageScore 4.0 loans that factor in rent and utility payments, potentially helping more Americans qualify.