In this episode of the Loan Officer Breakfast Club, Owen Lee unpacks the buzz around the newly approved VantageScore 4.0 and what it really means for the mortgage industry. While Fannie and Freddie have greenlit its use without requiring new infrastructure, Owen points out that this headline news comes with a ton of unanswered questions. From how LLPA grids will adapt, to AUS compatibility, to mortgage insurance pricing and correspondent lender adoption—nothing is clearly defined yet.

If you're a loan officer trying to understand how (and when) VantageScore might impact your daily work, this breakdown is essential viewing. Owen doesn't just report the change—he explains why the practical rollout is far more complex than the announcement makes it seem.

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