FHA Hloov Kho Txoj Cai Qhab Nia Qhab Nia: VantageScore 4.0 thiab FICO Score 10T Ntxiv Ua Cov Qauv Txais Yuav Nrog Classic FICO

Lub Koom Haum Saib Xyuas Vaj Tse thiab Tsev (FHA) tau tshaj tawm Tsab Ntawv Mortgagee Letter 2026-11 rau lub Kaum Hli 8, uas tau lees paub tias yuav ntxiv VantageScore 4.0 thiab FICO Score 10T ua cov qauv qhab nia credit uas txais tau nrog rau Classic FICO. Tsab ntawv no tsim cov lus qhia rau kev txiav txim siab qhov Minimum Decision Credit Score (MDCS) ntawm theem kev lag luam thaum muaj ntau tus qauv xa tuaj.

Txoj cai no siv rau cov kev pab cuam qiv nyiaj hauv Title II rau cov lej rooj plaub FHA uas tau muab rau thaum Lub Ib Hlis 1, 2027 lossis tom qab ntawd. Raws li tau tshaj tawm rau lub Cuaj Hlis 10, FHA tau tsim Phau Ntawv Qhia Txog Kev Npaj Txhij Rau Cov Qhab Nia Qiv Nyiaj Lwm Hom thiab lwm yam peev txheej, thiab yuav tuav lub sijhawm ua haujlwm los pab cov neeg qiv nyiaj thiab cov neeg koom tes hauv kev lag luam nrog kev siv.

FHA tau hais tias nws txuas ntxiv txhawb kom cov neeg qiv nyiaj tiv tauj lawv cov neeg koom tes qiv nyiaj thiab thev naus laus zis kom ntseeg tau tias muaj cov txheej txheem, cov txheej txheem thiab cov peev xwm tsim nyog los txhawb qhov kev hloov pauv. Cov qhab nia credit yog qhov ntsuas tseem ceeb ntawm kev pheej hmoo credit ntawm cov neeg qiv nyiaj hauv kev lees paub qiv nyiaj, thiab qhov hloov tshiab no nthuav dav cov qauv uas txais tau los ntawm Classic FICO ib leeg mus rau peb.

Qhov chaw: GSM · Tebchaws Meskas (Qhov kev tshaj tawm lus Askiv · Qhov kev tshaj tawm lus Suav qub)

Duab: 图：位于华盛顿的 HUD 总部 Robert C. Weaver 联邦大楼。照片：CC BY 2.0，经 Wikimedia Commons。 / The Robert C. Weaver Federal Building, headquarters of HUD, in Washington, D.C. Photo: CC BY 2.0, via Wikimedia Commons.

Tshiab Tshaj · Vaj Tse

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