Ismael Arcelay - Lehigh Valley Realtor

07/13/2026

Service at the highest quality. We follow rules. Call with any Real Estate questions. Serving the greater Lehigh Valley area in Eastern, Pennsylvania.

07/03/2026

To request your copy, send an email to [email protected] or call 610-533-1351

07/01/2026

Trailer home for Sale ... close to Malls, just outside of Allentown, PA 18106 ... interested call for more details (610) 533-1351

06/11/2026

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06/04/2026

Homebuying Advances into New Era of Credit Score Competition
Washington, DC - Today the U.S. government is ushering in a new era of competition in our nation’s mortgage market.

In a joint announcement, Secretary Scott Turner and FHFA Director William J. Pulte announced that the Federal Housing Administration and Fannie Mae and Freddie Mac are implementing their first new credit score models for mortgages in decades. This historic move is intended to lower costs for the American people after years of rising prices under the status quo credit score system.

Secretary Scott Turner announced today that the Federal Housing Administration will permit the use of VantageScore 4.0 and FICO 10T as eligible credit scoring models for FHA-insured mortgage underwriting. “By embracing additional predictive credit scoring models, we are taking a meaningful step toward expanding access to homeownership – particularly for creditworthy borrowers who may have been overlooked under older systems,” said Secretary Scott Turner. “This exciting announcement is in service to President Trump’s promise to restore the American Dream of homeownership.”

Fannie Mae and Freddie Mac are also moving forward with VantageScore 4.0 and FICO Score 10T, updating their selling guides with the new scores and immediately accepting Vantage-scored loans from approved lenders. This step advances the full implementation of the Credit Score Competition Act of 2018 as signed by President Trump, bringing greater choice and flexibility to borrowers.

“Thanks to President Trump’s leadership, we are driving down costs across the homebuying process,” said Director Pulte. “We are modernizing credit scoring with more predictive models, helping millions of Americans who responsibly pay rent qualify for mortgages. That’s fair, it’s commonsense, and it’s finally delivering the benefits of competition to homebuyers nationwide.”
https://www.hud.gov/news/hud-no-26-026?shem=rimspwouoe,

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06/01/2026

There's nothing better than helping a family move into their dream home. If you're ready to start your own real estate journey, I'm here to guide you every step of the way. Contact me at 610-533-1351.

04/02/2026

Open House in Saylorsburg, PA - Saturday, April 4th from 1:00 pm to 3:00 pm ... (610) 533-1351

02/27/2026

Let's go shopping ... for a home - 610 533-1351

02/03/2026

Thinking About Buying a Home But Feeling Overwhelmed?
👇Click the Link Below for Clear Answers.
Call me at 610-533-1351 for all of Your Real Estate Needs

Call or Text Ismael Arcelay 610-533-1351 | [email protected]