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April 4, 2018

Trouble Brewing for Fannie and Freddie in High DTI Market?

By John Bancroft

MGIC, Radian, Essent and National MI all announced that they would no longer insure loans with DTI ratios over 45 percent and credit scores below 700…

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Do mortgage lenders really need a new credit-scoring model or is the current FICO system adequate?

It’s fine. Stick with what works.
Time for a change. Borrowers are different today.
Undecided, still assessing the situation.

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