How VantageScore 4.0 impacts GSE mortgage pricing

FHA to Accept VantageScore 4.0 on January 1, 2027, Expanding Homeownership Opportunities for Newly-Eligible Americans

SAN FRANCISCO--(BUSINESS WIRE)--Sep 11, 2026-

How VantageScore 4.0 impacts GSE mortgage pricing

The GSEs apply FICO price hits to VantageScore at an additional 20 points while Pivot Financial models up to 1.125% in added LLPA costs.

FHA Sets Jan. 1 Start For FICO 10T And VantageScore 4.0

FHA-approved lenders will be able to use FICO Score 10T and VantageScore 4.0 for mortgage underwriting beginning Jan. 1, 2027, according to separate announcements Thursday from the two credit-scoring companies.

All Mortgages Securitized by Fannie Mae and Freddie Mac Will Now Disclose a VantageScore 4.0 Credit Score

VantageScore 4.0 Responsibly Expands the Mortgage Market by Identifying More Qualified Borrowers for Homeownership VantageScore 4.0 Implementation Unlocks Nearly $1 Billion in Annual Cost Savings Across the Mortgage Market VantageScore 4.0 Trusted by Fannie Mae and Freddie Mac to Highlight Collateral Performance in GSE Residential Backed Mortgage Securities Federal Housing...

FHA to Accept VantageScore 4.0 in January

VantageScore has announced the Federal Housing Administration (FHA) will begin accepting mortgage collateral backed by its VantageScore 4.0 credit scoring model starting on Jan. 1, 2027.

How VantageScore 4.0 impacts GSE mortgage pricing - Boston Real Estate Investors Association

Fannie Mae and Freddie Mac have published official pricing grids for single-family mortgages using the traditional Classic FICO and new VantageScore 4.0 models. Early analyses suggest the new credit score model could result in higher borrower costs in many scenarios. The updates, released Wednesday as the Federal Housing Finance Agency (FHFA) opened delivery of VantageScore […]