GTG FINANCIAL · WEEKLY GUIDELINE ALERT Oct 12, 2026 · Freddie Bulletin 2026-13 + UWM credit score minimums dropped + FHA lowest-score-controls Freddie Bulletin 2026-13: ACE appraisal waivers now on investment property refis (effective immediately). ACE and ACE+ PDR appraisal…
GTG FINANCIAL · MONTHLY ROLL-UP October 2026 · September in review — UAD 3.6 · rental income · credit scores September in review. Three big items heading into Q4 — plus the month’s other key updates below. VantageScore 4.0 priced…
GTG FINANCIAL · WEEKLY GUIDELINE ALERT Oct 5, 2026 · VantageScore priced like FICO + VA collections + FHA UAD 3.6 VantageScore 4.0 priced like FICO (eff. Oct 1). Fannie Lender Letter LL-2026-06 reissued Sep 30: VantageScore 4.0 now prices…
GTG FINANCIAL · MONTHLY ROLL-UP October 2026 · September guideline changes The 5 things to remember from September: New appraisal format starts Nov 2, but lenders that aren’t ready can request an exception (announced Sep 30). Fannie’s new rental income…
GTG FINANCIAL · WEEKLY GUIDELINE ALERT Sep 28, 2026 · DU 12.1 + rental date moves to Dec 1 DU 12.1 live Sep 25. New occupancy flag (OCC-03) and appraisal flag (DCM-01). Appraiser on Fannie’s No Longer Accepted list or…
GTG FINANCIAL · WEEKLY GUIDELINE ALERT Sep 21, 2026 · Freddie asset income + lender notes Freddie asset income easier (Bulletin 2026-10). Eligible net assets divided by 180 (was 240). Minimum $30,000 net eligible assets. Bank accounts and securities count.…
GTG FINANCIAL · WEEKLY GUIDELINE ALERT Sep 14, 2026 · VantageScore, FHA Jan 1, departing residence, manufactured housing VantageScore 4.0 open to all approved lenders (Fannie LL-2026-06, Freddie Bulletin 2026-H, effective Sep 9). One model per loan, same model for…
GTG Weekly  | Issue 154  | April 28th, 2026  | GTG Financial  | Santa Rosa, CA TL;DR: What’s in This Issue Why Thursday’s PCE number matters more than Wednesday’s Fed meeting Powell’s final press conference and what his tone sets…
VA Loans  | April 2026  | GTG Financial  | Santa Rosa, CA TL;DR — What’s in This Post The pest report myth that steers realtors away from VA buyers What the VA minimum property requirements actually say How the NPMA-33…
Deal Deep Dive | April 2026 | GTG Financial | Santa Rosa, CA TL;DR — What’s in This Post Real deal: $780K home, 3% down, Santa Rosa first-time buyers Why conventional beat FHA for this specific profile What the AMI…
