{"podcast":{"title":"The Mortgage Guy","slug":"the-mortgage-guy-6318482","podcast_index_feed_id":6318482,"rss_url":"https://feeds.libsyn.com/463644/rss","website_url":"https://sites.libsyn.com/463644","image_url":"https://static.libsyn.com/p/assets/9/f/9/4/9f946685abd092b688c4a68c3ddbc4f2/the_mortgage_guy_733_1400.1400.jpg","author":"Adam Rose","episode_count":118,"summary":"Welcome to The Mortgage Guy podcast hosted by Adam Rose! Join us as we explore topics ranging from mortgages and real estate to supporting small businesses. Stay tuned for insightful discussions and valuable tips!","last_synced_at":"2026-07-02T02:18:53.003256+00:00","page_url":"https://stenobird.com/podcast/the-mortgage-guy-6318482"},"episode":{"title":"Fannie Mae Removes 620 Credit Score Requirement ā€“ What It Really Means for Buyers","slug":"fannie-mae-removes-620-credit-score-requirement-what-it-really-means-for-buyers","published_at":"2025-11-12T13:00:00+00:00","page_url":"https://stenobird.com/podcast/the-mortgage-guy-6318482/fannie-mae-removes-620-credit-score-requirement-what-it-really-means-for-buyers","show_page_url":"https://stenobird.com/podcast/the-mortgage-guy-6318482","url":"https://31fbe698-ace8-4bec-8d18-b8ef57d40af9.libsyn.com/fannie-mae-removes-620-credit-score-requirement-what-it-really-means-for-buyers","audio_url":"https://traffic.libsyn.com/secure/31fbe698-ace8-4bec-8d18-b8ef57d40af9/Ep._108_OPUS.mp3?dest-id=3914595","summary":"In this week's episode of The Mortgage Guy Podcast, we're diving into Fannie Mae's new risk assessment changes, including the removal of the 620 minimum credit score from DU findings and what that means for borrowers. I'll also cover updates to how rental history and first-time buyer status are factored into approvals ā€” and why these adjustments could change how lenders assess risk. Then, we shift gears into the Non-QM space ā€” covering 1099 income programs, DSCR loans, and asset-depletion options that are helping more borrowers qualify creatively. Whether you're a buyer, investor, or loan officer, this one's packed with valuable insights. As always, I'll share my honest take on how these changes really impact the market ā€” and why sometimes, \"approved\" doesn't always mean \"the best fit.\" šŸ“² Contact Adam J. Rose ā€“ The Mortgage Guy šŸ“ž Call: 937-497-9662 šŸ“§ Email: arose@westernohiomortgage.com šŸŒ Visit: www.westernohiomortgage.com šŸŽ§ Listen On: Spotify & Apple Podcasts ā–¶ļø Subscribe on YouTube for weekly mortgage updates šŸ“± TikTok: @the_mtg_guy šŸ“˜ Facebook: @TheMortgageGuy24 šŸ” Licensed in OH, IN, MI, KY, TN & FL šŸ’¼ Western Ohio Mortgage MB #9601 šŸ’¼ Adam J. Rose NMLS #870301","meta_description":"In this week's episode of The Mortgage Guy Podcast, we're diving into Fannie Mae's new risk assessment changes, including the removal of the 620 minimum cā€¦","key_points":[],"chapters":[],"topics":[],"duration_seconds":673,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/the-mortgage-guy-6318482/episodes/fannie-mae-removes-620-credit-score-requirement-what-it-really-means-for-buyers/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/the-mortgage-guy-6318482/fannie-mae-removes-620-credit-score-requirement-what-it-really-means-for-buyers.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}