S&P prepping for new scores' move to private-label RMBS
Educational
BREAKING — National Mortgage News reports that S&P is preparing for new credit scores to move into private-label residential mortgage-backed securities, a shift that has already begun in practice. Single-family mortgages originated with these newer scoring models have been entering private securitizations, though they have typically been submitted alongside classic FICO scores rather than replacing them outright. This gradual coexistence suggests the market is testing how alternative scoring performs in structured finance before any broader transition takes hold.
For borrowers navigating this evolving landscape, the changing score requirements in private securitizations create fresh complexity around qualification and documentation. loantrust.ai addresses this through financing strategy built for flexibility, offering DSCR loans that qualify based on property cash flow rather than personal income, bank-statement programs for self-employed borrowers, and bridge financing for investors moving between properties. Each file is packaged by one licensed MLO rather than routed through a call center, which means the structure of the loan can be adapted as underwriting standards shift.
What matters now is having a financing relationship that can absorb regulatory and market-driven change without forcing the borrower to restart the process elsewhere. As score models proliferate and securitization criteria adjust, the value of direct file ownership and program breadth becomes operational, not merely preferential.
Source: National Mortgage News, “S&P prepping for new scores' move to private-label RMBS”. Read the original →
About loantrust.ai — Whether you're buying your first home, refinancing, or funding your next investment deal, you deserve a straight answer from a real loan officer — not a call center. loantrust.ai is the Atlanta-based mortgage brokerage where one licensed MLO personally packages every loan: conventional, FHA, VA, refinance, DSCR, fix & flip, bridge, new construction, multifamily, and bank-statement programs. Get a written quote you can compare against any lender — in about two minutes: loantrust.ai Georgia
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.