Mortgage credit scores are evolving. What homebuyers need to know

Mortgage lenders that work with Fannie Mae and Freddie Mac, government-sponsored enterprises, have the green light to use VantageScore 4.0 if they want to.Mortgage lenders that work with Fannie Mae and Freddie Mac, government-sponsored enterprises, have the green light to use VantageScore 4.0 if they want to. 

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