Mortgage Insights

Expert advice, industry news, and homebuying tips from Emmett Clark

January 9, 2026

Emmett Clark

The Federal Push for Lower Mortgage Rates: A Two-Sided Battle

As we head toward the 2026 midterms, the housing market has become the definitive "kitchen table" issue for voters. The latest moves from the federal government suggest a multi-pronged strategy to bring down the cost of homeownership.

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January 2, 2026

Emmett Clark

Fannie Mae Removes 620 Credit Score Minimum: What This Means for Homebuyers

In a major move to modernize the mortgage industry, Fannie Mae officially removed its long-standing 620 minimum credit score requirement for loans processed through its Desktop Underwriter system.

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