Conventional Loans

Co-buyers can't mix credit score models. Learn the FHFA rule on one loan, one model, and the question to ask before you write an offer.

A low appraisal on a rural property is often a comp problem. Learn the Fannie Mae rule that can fix it, using Lena's near-miss near St. Stephen, SC.

Lenders can now choose Classic FICO or VantageScore 4.0 on conventional loans. Learn what changed and the one question that can save a denied buyer.

Deborah thought a car payment would block her mortgage. She closed on a home near Jamestown, SC with that debt excluded from her DTI entirely. Here's how.

60 days is the occupancy window for a conventional principal residence loan. Learn the Fannie Mae rule and the question to ask before you sign.

Since Sept 9, 2026 every Fannie/Freddie lender can use VantageScore 4.0. Here's what that means for buyers and agents, and the question to ask your lender.

1 percent is the number that can quietly kill your loan approval with deferred student loans. Learn the conventional rule and what to ask your lender.

Three words decide mixed-use loan eligibility. Learn the exact Fannie Mae B2-3-04 test that saved Eugene's conventional refinance near Hollywood, SC.

Fannie Mae now lets lenders use VantageScore 4.0 or Classic FICO to qualify buyers. See how this credit score update could change your mortgage approval.

Fannie Mae's SEL-2026-08 update expands rental income qualifying rules and tribal land financing. Here's what changed and what to do about it.