FHA Sets Jan. 1, 2027 Start for FICO 10T, VantageScore 4.0

FHA announced on September 10 that FHA approved lenders will be able to use FICO® Score 10T and VantageScore® 4.0 for mortgage underwriting starting January 1, 2027, per FHA INFO 2026-21 (look for the September 10, 2026 entry).


Informative Research can deliver any approved score model today and is ready to consult with clients on workflow changes.


Disclaimer: The views and commentary expressed in this blog are provided for informational purposes only and do not constitute legal, financial, or professional advice. Informative Research (IR) makes every effort to ensure the accuracy of the content at the time of publication, but we do not guarantee its completeness or timeliness. Readers should consult their own legal or business advisors before making decisions based on this information. References to third-party companies, products, or services are not endorsements.

More Industry News

FHA Sets Jan. 1, 2027 Start for FICO 10T, VantageScore 4.0

FHA announced on September 10 that FHA approved lenders will be able to use FICO® Score 10T and VantageScore® 4.0 for mortgage underwriting starting...

Fannie Mae and Freddie Mac Open VantageScore 4.0 to All Lenders

On September 9, Fannie Mae issued Lender Letter LL-2026-06 and Freddie Mac issued Bulletin 2026-H, making VantageScore® 4.0 available to every...

FHFA Opens VantageScore to All Lenders, Eyes Bi-Merge

In a post on X published the evening of September 3, FHFA Director Bill Pulte said he is instructing Fannie Mae and Freddie Mac to immediately...