In this week's episode of The Mortgage Guy Podcast, we're diving into Fannie Mae's new risk assessment changes, including the removal of the 620 minimum credit score from DU findings and what that means for borrowers. I'll also cover updates to how rental history and first-time buyer status are factored into approvals — and why these adjustments could change how lenders assess risk. Then, we shift gears into the Non-QM space — covering 1099 income programs, DSCR loans, and asset-depletion options that are helping more borrowers qualify creatively. Whether you're a buyer, investor, or loan officer, this one's packed with valuable insights. As always, I'll share my honest take on how these changes really impact the market — and why sometimes, "approved" doesn't always mean "the best fit." 📲 Contact Adam J. Rose – The Mortgage Guy 📞 Call: 937-497-9662 📧 Email: [email protected] 🌐 Visit: www.westernohiomortgage.com 🎧 Listen On: Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage updates 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 🏡 Licensed in OH, IN, MI, KY, TN & FL 💼 Western Ohio Mortgage MB #9601 💼 Adam J. Rose NMLS #870301