At MKG Enterprises Corp, we’re excited to share a powerful new change that can help more families, renters, and first-time homebuyers get approved for a mortgage.
Expanded Borrower Access
Effective immediately, Fannie Mae and Freddie Mac — two of the largest housing finance agencies — will now allow lenders like MKG to use VantageScore 4.0, a modern credit scoring model that rewards consistent rent, utility, and phone payments.
🎯 VantageScore 4.0 considers rent, utilities, and telecom payments—opening homeownership to millions of underserved Americans.
While many lenders continue to rely on outdated FICO 5/4/2 models due to limited guidance and AUS (Automated Underwriting System) inconsistencies, MKG Enterprises is positioning itself at the forefront of this credit scoring evolution—bridging technology and regulatory compliance to serve a broader base of creditworthy borrowers.
🎯 You may qualify for a home loan — even if your FICO score falls short
🎯 VantageScore 4.0 looks beyond traditional credit history
🎯 More accurate, fair, and inclusive mortgage decisions
🎯 Helps renters and individuals with limited credit access the housing market
“This is a game changer. Now your rent and utility payments could help you get a home loan.”
— MKG Mortgage TeamWhy Is This Happening?
The Federal Housing Finance Agency (FHFA) made this change to increase fairness and competition in the credit score ecosystem. By authorizing VantageScore 4.0, lenders now have more tools to evaluate creditworthiness—benefiting those who have historically been left out of the homeownership process.
How MKG Can Help
At MKG Enterprises Corp, we believe everyone deserves access to homeownership. Whether you’re a first-time buyer or looking to re-enter the market:
We accept VantageScore 4.0 in our mortgage qualification process
We help you review and improve your credit profile
We offer pre-approvals and credit simulation tools
Ready to See If You Qualify?
Book a free consultation today with an MKG mortgage advisor:
Schedule Now
Apply online 24/7:
Let’s make homeownership possible — together.
