Pulte's FHFA to ease credit data rule for Fannie, Freddie
The new requirement could be announced by FHFA Director Bill Pulte as soon as Oct.
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BREAKING — National Mortgage News reports that Federal Housing Finance Agency Director Bill Pulte may announce a loosening of credit data requirements for Fannie Mae and Freddie Mac as soon as October 12, when he is scheduled to address a mortgage industry conference in Chicago. The change, if enacted, would mark a shift in how the regulated enterprises evaluate borrower creditworthiness, with implications for the standards that underpin much of the conventional mortgage market.
For investors and self-employed borrowers who have faced friction in conforming channels, this development alters the landscape in ways that extend beyond any single product. The situation creates a need for financing partners who can operate across both traditional and alternative qualification frameworks, and loantrust.ai occupies that space through programs designed for precisely this complexity: DSCR loans that qualify on property cash flow, bank-statement programs for borrowers without standard W-2 documentation, bridge and fix-and-flip structures for acquisition and repositioning, and conventional, FHA, and VA channels for owner-occupants. Each file is packaged by one licensed mortgage loan originator rather than routed through a call center, a structure that accommodates the back-and-forth these layered scenarios often require.
Positioning matters here because regulatory shifts of this kind tend to create temporary windows before the market fully adjusts. Borrowers who understand how alternative qualification programs interact with evolving GSE standards can move with precision rather than haste. loantrust.ai functions as a dedicated partner in that navigation rather than a transactional endpoint, which is the difference between financing that accommodates a strategy and financing that merely fills a gap.
— loantrust.ai | Atlanta-based mortgage brokerage | NMLS licensed mortgage loan originator operating under sponsor company name NMLS | One licensed MLO personally packages every loan, no call centre
Source: National Mortgage News, “Pulte's FHFA to ease credit data rule for Fannie, Freddie”. Read the original →
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Hans Michel, Mortgage Loan Originator, NMLS #2857209 · LoanTrust is a dba of RentAssure Inc. · Licensed in Georgia · NMLSConsumerAccess.org · Equal Housing Opportunity. Nothing on this site is a commitment to lend — all loans subject to underwriting and approval. DSCR, fix & flip, bridge, new construction, multifamily, and bank-statement programs are business-purpose loans for investment properties only.