Trump Administration Allows Rent Payment History to Count Toward Mortgage Applications
One of the many barriers to entry is the lack of credit history. The Trump administration changed that on Tuesday. The policy shift, announced by Federal Housing Finance Agency (FHFA) Director Bill Pulte, leverages the VantageScore 4.0 to integrate rent payment history into mortgage eligibility, potentially benefiting millions by addressing a gap where renters with consistent payment histories couldn’t qualify for similar mortgage amounts…
“Effective today, to increase competition to the Credit Score Ecosystem and consistent with President Trump’s landslide mandate to lower costs, Fannie and Freddie will ALLOW lenders to use Vantage 4.0 Score…”
So, what does this mean for you and your family? It’s simple. Imagine the credit bureaus used a scoreboard that refused to count your most important points. For decades, you could pay your rent on time, every single month, and it meant nothing toward getting a mortgage. It was a rigged game that kept you renting.
President Trump’s new policy allows for a new, fairer scoreboard. This new model, VantageScore 4.0, finally recognizes that paying your rent on time proves you are financially responsible. It tells lenders that if you can afford to pay $2,000 a month in rent, you can certainly afford a mortgage.
This isn’t a government handout. It’s the opposite. It’s about fixing a broken rule to reward personal responsibility. This single move restores a piece of the American Dream, putting family prosperity and the freedom of ownership back where they belong: ahead of corporate greed.
“Effective today, to increase competition to the Credit Score Ecosystem and consistent with President Trump’s landslide mandate to lower costs, Fannie and Freddie will ALLOW lenders to use Vantage 4.0 Score…”
So, what does this mean for you and your family? It’s simple. Imagine the credit bureaus used a scoreboard that refused to count your most important points. For decades, you could pay your rent on time, every single month, and it meant nothing toward getting a mortgage. It was a rigged game that kept you renting.
President Trump’s new policy allows for a new, fairer scoreboard. This new model, VantageScore 4.0, finally recognizes that paying your rent on time proves you are financially responsible. It tells lenders that if you can afford to pay $2,000 a month in rent, you can certainly afford a mortgage.
This isn’t a government handout. It’s the opposite. It’s about fixing a broken rule to reward personal responsibility. This single move restores a piece of the American Dream, putting family prosperity and the freedom of ownership back where they belong: ahead of corporate greed.
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