Both the Federal Housing Finance Agency (“FHFA”) and the Fair Housing Administration (“FHA”) recently announced the availability to lenders to use the new Vantage Score credit scoring model for loans sold to Fannie Mae and Freddie Mac and insured by FHA.  The update also includes notes of progress on implementing the new FICO 10T but note that it is not yet available for lenders to use.   

Heading to the MBA Legal Issues & Regulatory Compliance Conference May 4-7 in Miami?

In industry discussions, mortgage compliance is often treated as though it can be standardized across lenders. Model policies, regulatory checklists and compliance platforms are often presented as though there is a single blueprint for how mortgage compliance should work in practice.

But anyone who has worked inside more than one lending institution knows the reality is far more complex.

New Vantage Credit Score from TransUnion. (Date of Release to Production: 04/30/26)

New Vantage Credit Score from Equifax. (Date of Release to Production: 04/30/26)

New Vantage Credit Score from Experian. (Date of Release to Production: 04/30/26)

 – inter vivos meaning “among the living” in Latin, these trusts are established during the creator’s lifetime to hold assets for the creator’s benefit during their life and provide for distribution after their death.   Also commonly called “revocable trust”, “living trust”, or even “revocable living trust.” 

Updated Tax Information (Section 3 on page 2). (Date of Release to Production: 04/23/26)

Updated Tax Information (Section 3 on page 2). (Date of Release to Production: 04/23/26)

Updated to add form name in footer and use of dynamic signature lines. (Date of Release to Production: 04/16/26)