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Fannie Mae is making a historic shift in how Americans qualify for home loans. Beginning November 16, 2025, the agency will eliminate its 620 minimum credit score requirement from the Desktop Underwriter (DU) system — a move that could make homeownership possible for millions who’ve been locked out by traditional credit models. Rather than depending solely on credit scores, Fannie Mae will begin evaluating broader indicators of financial responsibility, such as rent payments, utility bills, and
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