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We share a quick market update on mortgage interest rates and explain why a temporary spike can happen after inflation data. Then we dig into major underwriting changes that let rent and, in some cases, utility payments strengthen automated approvals for buyers with thin credit histories. 

In this episode - 
• what “automated approval” means and why thin credit files get stuck 
• how FHA can consider utility payments and why that matters for first-time home buyers 
• whether adding rent or utilities can change a borrower’s interest rate 
• retroactive reporting and the realistic 30 to 45 day timeline 
• why agents should connect buyers early to use time as an advantage 

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Now's The Time  - no matter where you are, where you have been, or your current results  - By becoming more aware and following a process, you can have whatever it is you truly desire!

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With Gratitude -

Angie Gerber
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