05/09/2026
📢 You may be seeing headlines that Fannie Mae and Freddie Mac will begin counting on-time rent payments toward mortgage approval.
This isn’t entirely new—but the way it’s being used is.
Previously, rent was verified manually and treated as supporting documentation. It didn’t consistently influence the actual credit decision.
What’s changing is that rent payments—when digitally verifiable—can now be factored into the credit evaluation itself, meaning it may directly impact whether a borrower qualifies. 📊
Where this matters most:
• first-time buyers
• limited credit profiles
• consistent renters without traditional tradelines
Important: it has to be traceable (online payments, bank records, or reporting). Cash payments won’t count. ⚠️
Hoping this opens the door to homeownership for a lot more people. 🚪