Fannie Mae's Changes: Impacts on Housing Market

Fannie Mae, Credit Scores, and the 50-Year Mortgage Talk Fannie Mae just

made a move that has everyone talking, and honestly, the headline versions floating around

are completely wrong. So let’s slow it down, look at what’s rumor, what’s truth,

and what it actually means for the housing market. Because these changes — or even these

conversations — tell you exactly where things are headed. RUMOR 1:

“Fannie Mae is getting rid of credit scores.” TRUTH: They’re not eliminating credit scores.

They’re eliminating the minimum 620 credit score requirement for loans run through Desktop Underwriter

starting November 16, 2025. That’s the difference. Borrowers without