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Wednesday, September 16, 2026
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HomeHipotecasFannie Mae, Freddie Mac para comenzar a usar VantageScore

Fannie Mae, Freddie Mac para comenzar a usar VantageScore

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Durante décadas, prestamistas hipotecarios han utilizado un solo puntaje de crédito: el Puntaje FICO – para suscribir solicitudes para préstamos para el hogar. Pero eso está a punto de cambiar.

Bill Pulte, director de la Agencia Federal de Finanzas de Vivienda, anunció el 8 de julio que los gigantes hipotecarios Fannie Mae Y Freddie Mac comenzará a usar un segundo puntaje de crédito de una empresa competidora que tenga en cuenta más factores financieros. “El historial de crédito ya no incluirá tarjetas de crédito y préstamos”. Pulte escribió en x. “Esto es enorme”.

El cambio podría ayudar a varios millones de estadounidenses a ser elegibles para los préstamos hipotecarios para los que de otro modo no habrían calificado. Sin requisa, es poco probable que la nueva competencia entre las empresas rivales de puntuación de crédito afecte la cantidad de prestatarios que pagan por los costos de cerrojo de la hipoteca: las tarifas de crédito representan solo una pequeña fracción de esa cantidad.

¿Qué está cambiando?

Durante primaveras, los prestamistas han usado solo el puntaje FICO, de Fair Isaac Corp., una métrica que generalmente excluye cosas como el arrendamiento y los pagos de servicios públicos. Desde 2022, el FHFA ha requerido que los prestamistas usen el puntaje FICO 10 T, una calificación específica de la hipoteca que es uno de los muchos puntajes emitidos por FICO.

En el cambio de esta semana, Pulte anunció que ambas agencias todavía pueden comenzar a usar una métrica rival de VantageScore. Esa calificación, conocida como VantageScore 4.0, analiza una gradación más amplia de factores.

“Más de lo que está en los informes de crédito (de los consumidores) (pagos de telecomunicaciones, pagos de servicios públicos, pagos de arrendamiento) son parte del proceso de consideración sobre si son confiables para una hipoteca”, dice Tony Hutchinson, presidente de asuntos públicos en VantageScore. “Eso abrirá la puerta a una gran cantidad de personas que han sido invisibles. Se vuelve potenciador para el consumidor”.

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VantageScore obtiene 33 millones de consumidores más que FICO, por lo que los prestatarios que eran invisibles para el maniquí FICO podrían surgir de las sombras, dice Hutchinson. Entre esos 33 millones de estadounidenses, 13 millones tienen una puntuación vantana de al menos 620, el puertas para encuadrar para los préstamos Fannie y Freddie. Y a partir de ese subconjunto, se estima que 5 millones de personas podrían permitirse ser compradores de vivienda.

No está claro cuándo Fannie y Freddie comenzarán a aceptar el nuevo puntaje de crédito. Ambas compañías necesitan ajustar sus sistemas de origen de préstamos y sus estructuras de precios para reverberar el maniquí de puntuación adicional.

¿Ahorrará efectivo a los compradores de viviendas?

Los prestamistas se han apretado sobre los crecientes costos de los puntajes de crédito e informes de crédito, y es posible que la preámbulo de una nueva ofrecimiento pueda introducir la competencia de precios. Sin requisa, es probable que cualquier hucha desaparezca en los costos generales de cerrojo, que están dominados por sumas mucho más grandes para cosas como el seguro de título y las evaluaciones.

Las acciones de FICO cayeron en el anuncio de Pulte. Si correctamente FICO molestó recientemente a la industria al aumentar el costo de un puntaje FICO a $ 4.95 desde $ 3.50, la compañía ha estado minimizando el impacto de sus tarifas en la imagen de costo común.

“Con los costos de cerrojo promedio de aproximadamente $ 6,000 por hipoteca, las regalías de FICO siguen siendo un porcentaje extremadamente pequeño, aproximadamente dos décimas de 1 por ciento (o menos), de los costos de cerrojo de un consumidor y, por lo tanto, no son un impedimento para la propiedad”, escribió el CEO de FICO Lansing en el blog de la compañía el año pasado.

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Hutchinson dijo que no está claro cómo la nueva competencia afectará los precios. “Es una pequeña porción del costo común de cerrojo”, dijo, “pero afectará a los consumidores”.

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