Mortgage Navigator • Conventional • Credit & AUS

Conventional Credit & AUS

Conventional credit underwriting is no longer well explained by a single minimum score. DU and LPA evaluate the entire risk profile.

Build My Mortgage Game PlanConventional Navigator
2026 rule to remember: there is no blanket agency minimum credit score for a Fannie Mae DU loan casefile or Freddie Mac LPA mortgage receiving an Accept Risk Class. Manual underwriting and other product/MI/lender rules are different.

Explore Credit & AUS

Credit score & AUS

The end of the universal “620 minimum” shorthand.

DU vs. LPA

Why the same borrower can get different agency results.

Credit reports & tradelines

Credit report data, inquiries, omitted debts and thin files.

Disputed accounts

When a dispute can remain—and when it can make a DU approval unusable.

Collections & charge-offs

Fannie property-type thresholds and why “all collections must be paid” is wrong.

Authorized-user accounts

How AUS and manual underwriting treat AU tradelines.

Bankruptcy & foreclosure

Waiting periods and significant derogatory events.

Mortgage late payments

Recency, severity, refinance history and AUS treatment.

No score / thin credit

No universal AUS minimum does not mean every no-score file is automatically eligible.
Mortgage Navigator rule: when Fannie and Freddie differ materially, we call it out. We do not turn a Fannie rule into a generic “conventional” rule.

Official guide baseline

Fannie Mae Selling Guide · Freddie Mac Seller/Servicer Guide

Agency guide and AUS findings control over summaries. Lender and mortgage-insurer overlays may be more restrictive.