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Fannie Mae VantageScore 4.0 & FICO 10T Update — What It Means for Your Mortgage
INDUSTRY UPDATE — APRIL 22, 2026 Fannie Mae Just Changed the Credit Scores Used for Mortgages Lenders can now use VantageScore 4.0 on conventional loans — and FICO Score 10T is coming next. The first major credit score model update in decades. Here’s what changed and how it affects your next mortgage. Source: Fannie Mae
