Update to Duplicate Credit Score Policy on FHA Transactions

HomeBridge is updating its policy on FHA transactions when a duplicate credit score is received for a borrower.

When two (2) of the three (3) valid credit scores received for a borrower are a duplicate, HomeBridge will use the duplicate score when determining the borrowers’ representative credit score (currently the lowest score is always used)


There is no change to policy when there are three (3) separate scores received; the middle score is used.

Additionally, there is no change to the loan representative score guidance; the lowest representative score of all borrowers is used.

The FHA guidelines have been updated to reflect this information and have been posted on the HomeBridge website at www.HomeBridgeWholesale.com

If you have any questions, please contact your Account Executive.