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Here’s something that caught my attention recently that I think deserves a closer look. Fannie Mae (FNMA) and Freddie Mac (FMCC) are now taking utilities and rent into consideration for loans. This isn’t just a minor policy tweak — it’s a fundamental shift in how creditworthiness gets evaluated.
Think about this for a minute. If you don’t make your rent payment, that can go against your credit report, and if you don’t pay your utilities, that can go against your credit report, but historically it hasn’t worked the other way.
That imbalance has always been frustrating. A decade of responsible payments could effectively go unnoticed when it came time to apply for credit.
The New Reality for Credit Reporting
Here’s what’s changing. If you’ve paid rent consistently for years, that payment history can now be included in your credit profile. The same applies to utilities.
We’re talking about long-term financial discipline finally being recognized in a meaningful way.
For someone moving from renting to homeownership, that shift can materially change how lenders view their creditworthiness. Those monthly payments — often one of the largest obligations people carry — can now contribute positively instead of just being invisible unless something goes wrong.
From a broader market perspective, this could influence mortgage origination trends and housing demand. When more responsible renters qualify for financing, it expands the pool of potential buyers and can shift activity across the housing ecosystem.
Why This Matters and Where It Came From
Fannie Mae and Freddie Mac have long been central to mortgage market liquidity. Their policy changes tend to ripple through lending standards and housing accessibility.
They’ve now introduced a credit framework that incorporates rent and utility data into lending decisions, with early loan activity already underway.
That tells you this isn’t theoretical — it’s already being used in real lending decisions.
The Bigger Picture
I think this is a meaningful shift because it finally aligns credit scoring more closely with real-world financial behavior.
For years, the system has rewarded negative signals more than positive ones. This moves things closer to balance.
It doesn’t fix everything in housing or lending, but it does give long-term, responsible renters a better shot at building financial credibility.
And in markets like this, that kind of structural change is worth paying attention to.
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Geof Smith
Geof Smith TradingÂ
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*This is for informational and educational purposes only. There is inherent risk in trading, so trade at your own risk.Â
P.S. Wall Street Is Not Done Bending the Rules
You won’t believe how much brazen manipulation goes on in the market daily!
Here’s one that should grind your gears:
Did you know that Wall Street is legally allowed to use a specific kind of high-speed, high-volume transaction to force a surge or drop in virtually any stock?
Completely legal… and they do it nearly every morning before you’re even done with breakfast.
Fortunately, my research led me right to a chink in their armor…
A tiny window that gives anyone room to tap into these high-volume transactions for what I now call a “10-Minute Moonshot.”
The result? Double, even triple-digit opportunities worth 49%, 53.99%, even 111% before lunch!
Granted, there would have been smaller wins and those that did not work out I can’t make trading guarantees here…
But on Wednesday, I’ll pull Alex Reid live for a Special Briefing…
And together we’ll unload the details of these weird cash windows…
As well as how you can begin taking advantage of them as soon as Thursday.
Disclaimer: We develop tools and strategies to the best of our ability but no one can guarantee the future. The profits and performance shown are not typical to any one individual and you may lose money. The trades shown are from historical data in order to demonstrate the potential of the system..Â
