us Stay up to date on the latest loan updates so our customers and partners can act with confidence. Fannie Mae just announced exciting changes that will take effect for loans registered on or after November 16, 2025. The changes are intended to expand access to finance while making the credit assessment process more flexible and inclusive.
Main highlights of the changes
- Minimum credit score no longer 620
The long-standing minimum credit score requirement of 620 points will be eliminated. Instead, borrowers will be assessed using a new minimum credit risk factor approach that provides a broader assessment of overall creditworthiness. - Investors with 7-10 properties can get relief
Previously, the minimum credit score required for borrowers financing seven to 10 properties was 720. This requirement will be removed, making it easier for experienced investors to expand their portfolios. - Simplified Alternative Credit Trade Line Rules
The new guidance only requires borrowers to provide alternative lines of credit:- No credit score, and
- There is less than one credit or installment transaction on your credit report.
This makes the process smoother for borrowers with limited traditional credit history.
What this means for borrowers
These changes represent a big step forward in making mortgage financing more accessible. By moving from strict credit score minimums to a more comprehensive risk assessment, Fannie Mae is opening the door to more borrowers, including those with limited credit histories or who own multiple investment properties.
We’re ready to help you understand how these updates affect your financing options and guide you to the best solution for your needs.
