Learn

Guideline and market updates

Agency and lender changes that affect Washington borrowers, explained in plain language with the source linked.

• Planning for 2027? FHFA still lists 2026 conforming loan limitsAs of September 26, 2026, FHFA’s official loan-limit page lists 2026 values. It does not yet provide a published 2027 county-limit table.
• Fannie Mae aligns pricing across FICO and VantageScore 4.0Fannie Mae aligned credit-score pricing across Classic FICO and VantageScore 4.0 for specified deliveries starting October 1, 2026.
• Fannie Mae rental-income rules: December 1 adoption deadlineFannie Mae’s restructured rental-income rules apply to applications dated December 1, 2026 or later. Lenders may adopt them earlier.
• FHA updates credit-score methodology for 2027 case numbersHUD’s October 8 Mortgagee Letter explains how FHA will determine the Minimum Decision Credit Score when lenders submit Classic FICO, FICO 10T, VantageScore 4.0, or multiple supported model types for case numbers assigned in 2027.