Same credit file, different calculations. FICO vs VantageScore 4.0 comes down to how each model evaluates balances, payment trends, collections, and credit history. Here’s what loan officers should understand before assuming a different score means a better result.

Fannie Mae VOE requirements now leave more discretion to lenders. Most wholesale policies probably won’t change overnight, but the updated wording could help when a file is stuck over a specific documentation requirement. Here’s what to ask underwriting to review.

FHA wants to change its property rules, from attic access and utilities to manufactured-home certifications and local standards. Here’s what’s proposed, where I stand, and how to weigh in. These are proposals, not current guidelines.

Starting December 1, Fannie Mae will require six months of reserves on a departing residence when your borrower has less than 12 months of property management experience. Leases are out and market rent is in, but the reserves are the change that will decide whether these files close.

One report for every property type, rent built into the order, and condition rated room by room. The value method didn't change. The file around it did, starting with your pre-approval.