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Fannie Mae no longer sets a minimum credit score for loans run through its DU system. What changed, what didn’t, and how rent history can count.

Read the article: https://erikakpage.com/blog/fannie-mae-dropped-the-620-minimum

Curious what your home is worth? https://erikakpage.com/home-value

Voiced by an AI trained on Erika's own voice. Researched from the sources linked below.

This episode isn't a loan offer, a rate quote or financial advice, and it doesn't guarantee that anyone will qualify. Erika K. Page is a real estate agent with Axen Realty, not a lender. Andrew "Drew" Channell is a Senior Loan Officer, NMLS #1920676, with NEXA (company NMLS #1660690). You are free to choose any lender. Recorded October 13, 2026; Fannie Mae's guidelines as published then.

Sources:

- Fannie Mae Selling Guide, B3-5.1-01, General Requirements for Credit Scores (April 22, 2026 version; lists Announcement SEL-2025-09 of November 5, 2025): https://selling-guide.fanniemae.com/sel/b3-5.1-01/general-requirements-credit-scores

- Fannie Mae Selling Guide, B3-2-03, Risk Factors Evaluated by DU (February 5, 2025 version): https://selling-guide.fanniemae.com/sel/b3-2-03/risk-factors-evaluated-du

- Fannie Mae Selling Guide, B3-5.4-02, Number and Types of Nontraditional Credit References (February 4, 2026 version): https://selling-guide.fanniemae.com/sel/b3-5.4-02/number-and-types-nontraditional-credit-references

- Fannie Mae, About us: https://www.fanniemae.com/about-us

- Consumer Financial Protection Bureau, What is a credit score? (reviewed September 2, 2026): https://www.consumerfinance.gov/ask-cfpb/what-is-a-credit-score-en-315/

- Consumer Financial Protection Bureau, How do I get a free copy of my credit reports? (reviewed August 28, 2023): https://www.consumerfinance.gov/ask-cfpb/how-do-i-get-a-free-copy-of-my-credit-reports-en-5/

- Consumer Financial Protection Bureau, How do I dispute an error on my credit report? (reviewed September 2, 2026): https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/

- Erika K. Page, her “Fannie Mae” video (November 2025) and “Drew’s Video” (June 2026), her own words. Andrew “Drew” Channell’s title and NMLS numbers as supplied from his business signature, October 2026

This episode explains how things generally work and isn't legal, tax or financial advice.

Erika K. Page, Axen Realty. Equal Housing Opportunity.