Credit Scores, 50-Year Mortgages, and What It Means for You
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Credit Scores, 50-Year Mortgages, and What It Means for You
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Two major changes are coming — and they could reshape how Americans buy homes.
In this episode, Derick and Stephen break down: 🔹 Fannie Mae’s move to remove the 620 minimum credit score requirement 🔹 The Trump administration’s floated idea of government-backed 50-year mortgages
We unpack: ✅ What these changes really mean for buyers, real estate agents, and lenders ✅ Why "no credit score cutoff" doesn’t mean “no risk” ✅ How a 50-year loan could help affordability — and also trap people in long-term debt ✅ What you should be doing right now if you’re trying to qualify or serve clients
Whether you're buying, selling, or advising clients — these aren't just headlines. They're game-changers. Listen in for the brutally honest truth behind the policy shifts, the potential fallout, and how to prepare.
🎧 The market’s changing. Don’t get blindsided. Tune in now.