The Jim Mazziotti Show
The FHFA Has Implemented A Long-Awaited Credit Score Modernization Finally! Here’s the truth—this has been a long time coming, and it’s a meaningful shift for buyers who’ve been sitting on the sidelines. As of April 22, 2026, the Federal Housing Finance Agency (FHFA) has officially moved forward with credit score modernization. What that means in real terms is this: lenders working with Fannie Mae, Freddie Mac, and FHA loans can now use VantageScore 4.0 when evaluating mortgage applications. Give a listen as Jim Mazziotti, Realtor with EXIT Realty, explains!
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