Your Credit Score Just Got a Second Way to Win — Fannie and Freddie Now Price VantageScore 4.0 Like FICO

Your Credit Score Just Got a Second Way to Win — Fannie and Freddie Now Price VantageScore 4.0 Like FICO

Douglas Wilkerson
Published on: 09/10/2026

Fannie Mae and Freddie Mac now price VantageScore 4.0 on the same loan-level pricing grid as Classic FICO — effective for loans purchased on or after Oct 1, 2026. Here's what the single grid means, who it helps, and the question to ask your lender.

VantageScore 4.0 mortgageFannie Mae VantageScore pricing gridFreddie Mac VantageScore 4.0LLPA VantageScore FICOVantageScore vs FICO mortgageloan level price adjustment explainedFHFA VantageScore announcementcredit score mortgage pricing 2026Jacksonville homebuyer credit score