06/17/2026
Millions of consumers have consistently paid rent and utilities on time for years without those payments carrying much weight in traditional mortgage qualification. That could now be changing. 🔑
Updated credit scoring models being rolled out through Fannie Mae and Freddie Mac are designed to better reflect real-world financial habits, especially for renters, gig workers, and buyers with limited traditional credit history.
The lending landscape is evolving quickly, and informed buyers should absolutely be paying attention.
Source: https://www.realtor.com/news/real-estate-news/fannie-freddie-credit-score-rent-pulte-announcement
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