Millions of Americans may soon qualify for a mortgage—without a traditional FICO score. In this episode, Jeb and Josh break down how VantageScore 4.0 could reshape homeownership by scoring renters, gig workers, and others left behind by outdated credit models. They explain why this shift matters, how it compares to FICO, and what it really means for you as a future homebuyer

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Jeb SmithHuntington Beach Realtor / Orange County Real Estate
DRE #01407449
Real Broker

Josh Lewis
Huntington Beach Certified Mortgage Expert
DRE #01209148
Buywise Mortgage
Mobile: 714-916-5727