Andria Townsend, Arizona mortgage loan originator, NMLS #2154631

Arizona Home Loan Guides from Andria Townsend

Plain-English answers on FHA, VA, first-time buyer programs and refinancing, from an Arizona loan officer.

VantageScore 4.0 and Your Arizona Home Loan: What Changed

VantageScore 4.0 and Your Arizona Home Loan: What Changedby: Andria TownsendPublished on: 12/10/2026

Arizona lenders can now use VantageScore 4.0 on Fannie and Freddie loans, and FHA adds it Jan. 1, 2027. Here's what the new credit scores mean for you.

VantageScore 4.0 and Your Arizona Home Loan: What Changed