Fannie Mae -No More Minimum Credit Score Requirement
✅ No More Minimum Credit Score Requirement
One of the biggest changes?
Fannie Mae has removed the minimum credit score requirement for loans submitted through its automated system (Desktop Underwriter), starting November 16, 2025. What does that mean for you?
The old “620 credit score” rule is gone
Lenders can now look at your entire financial picture
Income stability, payment history, and overall financial behavior matter more than a single number.
Credit still matters — but it’s no longer the gatekeeper it once was. (Some lenders may still have their own rules, but this is a major step forward.)
🏗 More Flexibility for Construction & New Builds
If you’re building a home or using a construction-to-permanent loan, there’s more good news: Credit documents can now be up to 18 months old and No minimum credit score is required for this exception. This gives buyers and builders more breathing room and fewer last-minute surprises.
🛡 Smoother Closings with “Day 1 Certainty”
Fannie Mae also expanded its Day 1 Certainty® program, which helps lenders feel more confident approving loans.
In simple terms:
✔ Fewer last-minute issues
✔ Less risk of surprises before closing
✔ A smoother path to the finish line
🏡 What This Means for You
These updates are all about making homeownership more accessible — especially for first-time buyers or anyone with a non-traditional financial history.
✔ More flexibility
✔ Fewer automatic disqualifiers
✔ A more human approach to lending
Every situation is unique, but overall, this is a very positive shift for buyers.
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💬 Thinking About Buying?
If you’re curious how these changes could affect your buying power, we’re happy to help you explore your options and connect you with trusted local lenders. Smart guidance makes all the difference.
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This article is provided for general informational purposes only and does not constitute legal, tax, financial, or real estate advice. Federal reporting requirements, including those issued by Fannie Mae , may vary by transaction and are subject to change.
Nothing in this article should be relied upon to determine whether a specific transaction is subject to reporting requirements. Buyers and sellers should consult a licensed Nevada real estate professional, settlement agent, attorney, or tax advisor regarding their individual situation.