Credit & Underwriting Archives - Jhenesis Mortgage | Florida Mortgage Broker

How Student Loans Actually Count Against You on a Mortgage

by Jhenesis MortgageCredit & Underwriting, Homeowner Education August 11, 2026August 10, 2026Comments are Disabled

Deferred doesn’t mean invisible. Here’s exactly how Fannie Mae, Freddie Mac, FHA, VA, and USDA each calculate your student loan payment for qualifying — and why the number on your credit report might not be the number your lender uses.

FICO vs. VantageScore in 2026: Why Your Mortgage Pre-Approval Might Show Two Different Numbers

by Jhenesis MortgageCredit & Underwriting, Homeowner Education August 5, 2026August 3, 2026Comments are Disabled

Two credit apps, two very different scores — and both can be right. Here’s what’s actually changing in mortgage underwriting in 2026, and why the gap matters more than you think.