What is the minimum down payment required?

We offer mortgage options with as little as 1% down, making it easier for you to afford your dream home.

Do you offer refinancing options?

Absolutely. Whether you’re looking to lower your rate, shorten your term, or cash out equity, we can help.

How long does the approval process take?

Our AI-driven system provides instant approvals in most cases — usually in under 30 minutes.

Do I need a perfect credit score to qualify?

Not at all. We work with a wide range of credit scores and help find the best loan options for your situation.

Can I complete the entire process online?

Yes! From application to closing, the entire mortgage process can be completed online or on your phone.

Tom

Olympian Mortgage Assistant

1 min read

Fannie Mae and Freddie Mac to allow credit scores based on rent and utilities payments

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Realtor.com

April 23, 2026

First-Time BuyersSource: NewsAPI

Fannie Mae and Freddie Mac to allow credit scores based on rent and utilities payments

Prospective homebuyers with a history of on-time payments for rent and utilities may soon find it easier to qualify for a mortgage, thanks to changes at Fannie Mae and Freddie Mac.

Prospective homebuyers with a history of on-time payments for rent and utilities may soon find it easier to qualify for a mortgage, thanks to changes at Fannie Mae and Freddie Mac. U.S. Federal Hous… [+6475 chars]

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Originally published by Realtor.com

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