AWACSMortgage compliance intelligence from Flightline

Freddie Mac · Guide Bulletin 2026-K · Published

Credit Fee grids aligned across VantageScore 4.0 and Classic FICO Credit Score models

Sellers must allocate Mortgages to contracts in Loan Selling Advisor with a contract acceptance date on or after October 1, 2026 to be assessed the updated Credit Fees, which no longer differ by Credit Score model. VantageScore 4.0 Credit Fee grids no longer apply to negotiated provisions in Purchase Documents, and eligibility requirements from Bulletin 2026-H are unchanged.

Action requiredSettlement dates on or after Oct 1, 2026All checks passedRead the bulletin ↗ (opens in a new tab)

Loan impact

From the bulletin text · verified

Applies to: Mortgages sold to Freddie Mac with Settlement Dates on or after October 1, 2026, including those with VantageScore 4.0 or Classic FICO Indicator Scores.

Applies when all of these are true
  • ANDFreddie Mac loan
  • ANDSettlement date on or after October 1, 2026
Addressed to
Freddie Mac Sellers
Investor
Freddie Mac
Programs
Conventional
Affected areas
Credit score model; ContractsGuide Section Exhibit 19
Affected documents
Loan Selling Advisor contract; Purchase Documents
Effective
Settlement dates on or after Oct 1, 2026
Applicability confidence
Verified: every row above is supported by the source text
Supporting quotes from the bulletin
  • conditions“Effective for Mortgages with Settlement Dates on or after October 1, 2026”
  • affected areas“Credit Fees will no longer be differentiated based on the Credit Score model with which the Mortgage is delivered.”
  • affected areas“Sellers must allocate Mortgages to contracts in Loan Selling Advisor ® with a contract acceptance date on or after October 1, 2026 to be assessed the Credit Fees announced in this Bulletin.”
  • guide sections“Guide impact: Exhibit 19”
  • affected documents“Sellers must allocate Mortgages to contracts in Loan Selling Advisor ® with a contract acceptance date on or after October 1, 2026 to be assessed the Credit Fees announced in this Bulletin.”
  • affected documents“For Sellers with negotiated provisions in their Purchase Documents related to the sale of Mortgages with VantageScore 4.0 Credit Scores, the VantageScore 4.0 Credit Fee grids no longer apply.”

What changed

From the bulletin text · Section Exhibit 19
RequirementPreviouslyNow
Credit Fee grids aligned across Credit Score modelsChangedRequiredNot statedCredit Fees will no longer be differentiated based on the Credit Score model with which the Mortgage is delivered
VantageScore 4.0 Credit Fee grids no longer apply to negotiated provisionsRemovedNot statedVantageScore 4.0 Credit Fee grids no longer apply to Sellers' negotiated provisions in Purchase Documents

Each change applies when all the loan-impact conditions above are true.

What to do

AWACS interpretation · not source language

What to review: First review how Mortgages with Settlement Dates on or after October 1, 2026 are allocated to Loan Selling Advisor contracts (contract acceptance date on or after October 1, 2026) so the updated Credit Fees apply regardless of Credit Score model, then note that VantageScore 4.0 Credit Fee grids no longer apply to negotiated provisions in Purchase Documents.

Secondary

Allocate Mortgages with Settlement Dates on or after October 1, 2026 to Loan Selling Advisor contracts with a contract acceptance date on or after October 1, 2026 so they are assessed the updated Credit Fees.

QC implications

  • Sample Mortgages with Settlement Dates on or after October 1, 2026 and confirm each is allocated to a Loan Selling Advisor contract with a contract acceptance date on or after October 1, 2026.
  • Check that Credit Fees assessed on these Mortgages are the updated fees, not differentiated by whether the Mortgage was delivered with a VantageScore 4.0 or Classic FICO Credit Score.
  • Confirm the VantageScore 4.0 Credit Fee grids are no longer applied under negotiated provisions in Purchase Documents related to VantageScore 4.0 Mortgages.

Source and record

Version 1 · archived

Checks passed

  • Schema valid
  • Effective quotes verbatim
  • Document ID appears in the source
  • Doc id matches catalog
  • Mandatory status is backed by requirement language
  • Mandatory entries have requirement language
  • Published on present
  • Title summary length
  • Controlled vocabulary
  • No placeholder tokens
  • Source link resolves
  • Loan impact quotes verbatim
  • Loan impact vocabulary
  • Changes quoted
  • Impact type consistent
  • Every required change is backed by obligation language
  • Only new or tightened changes are marked required
  • Loan impact covers every required change
  • Quotes are complete sentences
  • Unflagged must
  • Diff complete
  • Mandatory date resolved
  • Audience verbatim
  • Scope residential
  • Out of scope
  • Published in window
  • Interpretation schema valid
  • Interpretation separate