Fannie Mae’s Desktop Underwriter (DU) 12.0 update, effective November 16, 2025, removes the longstanding 620 minimum credit score requirement for conventional loans. Instead, DU will evaluate borrowers using a holistic risk assessment that considers multiple financial and non-credit factors...
After weeks of uncertainty, the federal government has reopened—bringing relief to the mortgage industry. FHA, VA, and USDA agencies are back in action, but backlogs mean slower loan processing. Mortgage rates remain stable, buyer confidence is rebounding, and new proposals like 50-year fixed mortgages could reshape affordability. Here’s what buyers, sellers, and lenders need to know heading into the holiday season.
This Veterans Day, we pause to honor the brave men and women who have served our country. As a loan officer, I’m proud to support our veterans by helping them achieve the American Dream of homeownership. Thank you for your service—now let us serve you.
The wait is over! The Federal Reserve just cut interest rates for the first time in years—and more cuts may be coming. This could be your best chance to buy a home, refinance, or tap into equity before demand and prices surge. Don’t wait—see why acting now could save you money.
Halloween is here, and your neighborhood mortgage loan officer is spreading some festive cheer! 🎃 From haunted houses to dream homes, this season reminds us just how special it feels to have a place to call our own. So while you’re out collecting candy tonight, remember—I’m here to help you collect keys instead. Wishing you a safe, fun, and treat-filled Halloween!
Buying a home is one of the biggest decisions most people will ever make—and it should be an informed one. That's why I love real conversations. Just straight talk to keep you on the right track and avoid falling prey to common myths and misconceptions.
