11/07/2025
📢 Fannie Mae just updated credit score rules — and it can help more buyers qualify
If you’ve been thinking about buying a home with a partner, spouse, or family member, this is good news.
What changed:
Fannie Mae now allows lenders to average the median credit scores of co-borrowers.
That means if one of you has strong credit and the other is still building, you may still meet the qualifying minimum together.
A simple example:
• Borrower A: 730
• Borrower B: 610
• The average is 670 — above the typical 620 minimum.
Under the old rules, that 610 could have stopped the loan completely. Now it may not.
Why this matters for you:
• More buyers can qualify together.
• More households can use their combined income.
• More paths open up for first-time buyers who were previously shut out.
If you’re planning to buy this year, this is a great time to check where you stand and see what’s possible.
If you want to take the next step, I’d love to help.
Send me a message, text me, or comment below. I’ll walk you through your options and connect you with a lender who can run the numbers using the new guidelines.
Your next move could be closer than you think. 🏡
