Your landlord already knows you're good for the money. Now Fannie Mae can, too.

You've already passed the hardest test in housing. $2,000+. On time. Every month. For years. The old mortgage score often treated a thin file like a risk even when the rent never bounced.

Fannie Mae accepts VantageScore 4.0 from approved lenders on eligible Desktop Underwriter loans. Adoption is optional — a lender may still run Classic FICO. When VantageScore 4.0 is used: all three bureaus, same model for every borrower on the loan, Special Feature Code 067 at delivery. Manual underwriting still uses Classic FICO. FICO Score 10T is later, not the everyday score yet.

VantageScore 4.0 is trended (~24 months) and can include reported rent, utilities, and telecom.

Rent does not replace underwriting. Income, assets, appraisal, DTI, reserves, and occupancy still have to work.

• Rent only helps if it is reported to Equifax, Experian, or TransUnion
• VantageScore 4.0 is not live at every lender
• One model per loan — do not mix Classic FICO and VantageScore 4.0 on the same note
• Late rent on the bureau can hurt

Thin-file renters, buyers called unscoreable under Classic FICO, households with utility/phone tradelines already on file, first-time buyers in Palm Beach / Broward / Treasure Coast whose Classic FICO snapshot is incomplete.

Is the housing history even on the bureau? If not, start a reporting service — do not force a denial today.

Call 561-677-2340. We'll tell you whether the history is on the bureau and whether this model is worth running.

All loans subject to credit and property approval. VantageScore 4.0 not live at every lender. Rent/utility/telecom only count if reported. VantageScore® is a trademark of VantageScore Solutions, LLC. Fannie Mae® and Desktop Underwriter® are trademarks of Fannie Mae. CFGC is not affiliated with Fannie Mae, Freddie Mac, VantageScore, or the credit bureaus. Equal Housing Lender. NMLS #2547138.