Today’s highlighted stories include a game-changing credit-score inclusion, Fed policymakers’ divide on tariff-driven rate risks, and essential rate predictions for the next 30 days—each presenting strategic guidance for industry professionals.
Fannie & Freddie to Allow VantageScore 4.0 for Credit Checks
Read the full story → Scotsman Guide
FHFA Director Bill Pulte confirmed that lenders may now use VantageScore 4.0—automatically tri-merged from all bureaus—for GSE-backed mortgages. This inclusive change opens doors for millions of previously overlooked renters and non-traditional borrowers.
Loan Officer Insight:
This is transformative—renters and thin-file borrowers may now qualify. Update funnel strategies, outreach, and credit check processes to leverage this broader eligibility.
Realtor Insight:
Empower clients: renters or individuals with limited credit history now have new paths to qualify. Position this as a key talking point in outreach and listing presentations.
Fed Minutes Set to Reveal Turf Wars on Rate Cuts & Tariffs
Read the full story → Reuters
Fed minutes from June show a micro-split among policymakers: some push for immediate rate cuts due to rising inflation from tariffs, while others urge caution until data confirms tariff-driven price spikes aren’t lasting.
Loan Officer Insight:
This divide supports a dual strategy—communicate caution but be ready to act quickly. Update clients on both potential paths and encourage pre-approval flexibility.
Realtor Insight:
Share this as clarity—not confusion—this nuanced stance supports buyer and seller planning for both immediate affordability and stability.
30-Day Mortgage Rate Forecast Signals Modest Decline
Read the full story → Norada Real Estate
Analysis of current financial trends—especially bond yields and inflation reports—suggests mortgage rates may modestly soften by late July to early August. Markets are pricing in slightly lower funding costs ahead.
Loan Officer Insight:
This is your cue to revisit rate-lock strategies. Offer clients flexible options with clear timelines for optimal locking windows.
Realtor Insight:
A cooling rate environment can be a catalyst for buyer action. Position this in your marketing messaging for added urgency.
Barron’s Study Says Near-Zero Rates Still on the Table
Read the full story → Barron’s
A joint analysis by the NY and SF Fed indicates that, while not imminent, the possibility of rate cuts returning to near zero remains on the table—a longer-term signal that sustained affordability could arrive post-mid 2026.
Loan Officer Insight:
Use this long-term softening as part of strategic financing conversations—especially for clients thinking beyond 2025.
Realtor Insight:
Framing the market as heading toward affordability in the longer term reinforces patience—and positions your advice as strategic foresight.
Loan Officer’s Perspective
- Expand eligibility using VantageScore 4.0 to maximize borrower pipelines.
- Balance timing paths—prepare for near-term cuts while positioning long-term affordability.
- Refresh outreach with forecasts and refinancing actions for July–August.
For additional resources and strategies to support your referral partners and clients effectively, visit DailySuccessPlan.com.
Realtor’s Perspective
- Enable new buyers using alternative-credit access via VantageScore.
- Counsel with nuance—buyers and sellers benefit from Fed insight and rate flexibility.
- Create urgency through near-term forecasts and long-term market stability messaging.
📩 Ready-to-Send Emails
Loan Officer Email (for Realtor Partners)
Subject: VantageScore for Mortgages, Fed Outlook & July Rate Forecast
Hi [First Name],
Here’s what’s top of mind this week:
• FHFA approves VantageScore 4.0—broadening borrower pools.
• Fed shows internal divide—some push for cuts, others hold.
• Rates may dip July–August, per recent forecasts.
Let me know if you’d like co-branded outreach or client-ready toolkits.
Best,
[Your Name]
[Your Contact Info]
Realtor Email (for Clients / Sphere)
Subject: What This Week’s Market Signals Mean for You
Hi [First Name],
Today’s key housing snapshots:
• New credit rule—VantageScore counts—making loans more inclusive.
• Fed split on rate cuts—transparency supports smarter timing.
• Rates could soften this month, offering buying opportunities.
Want to chat about your goals? I’m here to help.
Warmly,
[Your Name]
[Your Contact Info]