A major change is coming to the mortgage industry. Beginning September 24, Fannie Mae will require lenders to use trended credit data when underwriting single-family borrowers.  

Trended credit data gives lenders access to the payments a borrower has made on existing credit accounts for the past 24 to 30 months. The data helps determine if a borrower pays off credit cards each month or if they typically carry a balance from month to month while making minimum payments. The goal is to help lenders make a smarter, more thorough analysis of a borrower’s credit history.

As always, I’m here to answer any questions you may have. You can count on me to help.


Jackie A. Fowler
NMLS #0546304
Mortgage Loan Originator
469 W. 23rd St.
Panama City, FL 32405
p - 850.872.7155
c - 850.814.8390
f - 877.742.7693