Can you really buy a home with a 0% credit score? A new rule change could let millions of buyers into the housing market without meeting traditional credit requirements. Is this financial inclusion or the early signs of another housing bubble?

In this episode, we break down what’s really happening behind the “no credit score” headlines, how lenders are shifting risk, and what this means for the future of homeownership, affordability, and the overall market.

This episode explains:

- How DU (desktop underwriting) changes could reshape housing access

- Why credit score removal is about more than fairness

- Who benefits when risk is reclassified

- What patterns from 2008 are starting to repeat

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