VantageScore 4.0 is now broadly available for eligible GSE loans, while FHA has a separate 2027 timeline. Here is the broker handoff that keeps the lender, score model, AUS result, and borrower message aligned.

FHA’s 2026 private-well distance waiver may give some existing homes a workable path, but only when the file proves local compliance and acceptable water testing. Here’s how brokers can build a lender-ready package without overpromising to the borrower.

FHA now distinguishes written VOE, electronic VOE and employment reverification. Here is how brokers can request the right proof and protect the closing handoff.

FHA no longer requires HUD-92900-B. Here’s what brokers and LOs should remove, preserve, and verify across files and workflow templates.