Permission to Underwrite VA Mortgages Using VantageScore 4.0 Scoring Model

Applies to: VA home loans delivered by approved correspondents utilizing VantageScore 4.0 credit scores.

Addressed to

Newrez correspondent sellersFrom the publisher, not quoted from the text

Investor

NewrezFrom the publisher, not quoted from the text

Affected area

Credit score model

Affected documents

Lock confirmation; Bid tape; AUS documentation; Credit file records

Exceptions

Conventional second homes and investment properties; FHA loans; USDA loans; Smart Series loans; Jumbo loans; Closed-end seconds

Effective

Sep 21, 2026

Applicability confidence

Verified: every row taken from the source text is supported by it; rows marked "from the publisher" are not quoted

Summary by AWACS. Newrez Correspondent's guide is proprietary, so AWACS does not reproduce its text. Read the official announcement ↗ (opens in a new tab)

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

What to review: Review the optional flexibility allowing correspondent lenders to deliver VA mortgage loans underwritten with the VantageScore 4.0 credit scoring model beginning September 21, 2026.

QC implications

• Sample delivered VA loans underwritten with VantageScore 4.0 to verify that the scoring model is consistently applied across all borrowers and properly identified on bid tapes and AUS findings.