Big News! Fannie Mae Just Made Home Loans Easier to Qualify For

Good news for homebuyers! Fannie Mae has just made a major change that could make qualifying for a conventional loan easier than ever.

📰 What Changed

As of November 16, 2025, Fannie Mae has removed the 620 minimum credit-score requirement for loans run through its Desktop Underwriter® system.
Instead, approvals will now be based on a full risk review—including income, debt, savings, and payment history—rather than a single score.

💡 Why It Matters

This means:

• Buyers with credit scores below 620 may now qualify.

• Limited or non-traditional credit (like rent or utility history) can now count.

• More buyers can access conventional loan benefits—like lower PMI and flexible terms.

🏁 What To Do Now

1. Get pre-approved with a lender who’s updated to the new guidelines.

2. Gather documentation (paystubs, bank statements, rent history, etc.).

3. Talk with us about your options and how this change impacts your buying power.

This update opens doors for many first-time and returning buyers—especially those rebuilding credit or with short credit histories.

Ready to find out if you qualify under the new rules?
Reply to this email or call/text us today:
📞 Ed – 423-426-4939
📞 Karin – 423-747-8551
📧 athomewithus2@gmail.com

Warmly,
Ed & Karin
At Home with Ed & Karin | Epique Realty
Serving Washington, Greene, Carter, Sullivan & Unicoi Counties