Anthony Rhodes Mortgage Loan Specialist

03/18/2026

03/05/2026

Home Town Heroes added $6M today for Down Payment Assistance !!!
let me know if I can help your buyers with their 1st homebuying experience.

11/06/2025

FROM FANNIE MAE: Effective 11-16-2025
NO MORE CREDIT SCORE REQUIREMENTS WITH DU

Minimum credit score requirements will no longer apply to loans submitted to DU. The Selling Guide has been updated to align with changes previously communicated in the DU Version 12.0 November Update Release Notes. Specifically, DU will no longer apply a minimum credit score but will rely on its own comprehensive analysis of risk factors to determine eligibility.

In addition to these revisions, we have updated DU nontraditional credit documentation and homebuyer education requirements to no longer rely on credit scores. Instead, DU will issue a message when lenders must establish a nontraditional credit history and/or complete homebuyer education when no borrower has at least one credit account or installment account reported on their credit report.

Effective: The minimum representative credit score requirement of 620 for loan casefiles for one borrower and minimum average median credit score requirement of 620 for more than one borrower will be removed for new loan casefiles created on or after Nov. 16, 2025. All other changes apply to loan casefiles submitted or resubmitted on or after the weekend of Nov. 15, 2025.

10/29/2025

📉 The Fed just cut interest rates by 0.25%!
This may be a great time to consider refinancing your mortgage. A lower rate can help you reduce your monthly payment, build equity faster, or access cash for renovations, debt consolidation, or other financial goals.

If you'd like to see what this rate change could mean for you, I’m here to help run the numbers and guide you through your options.

Anthony Rhodes Jr.
A3 Mortgage 🏡
NMLS # 1704694
Send me a message or give me a call
Cell: 813-360-1330 Email: [email protected]

Loan terms and requirements subject to change. This is not an offer to extend credit. A complete credit and collateral application are required in order to obtain a credit decision.
A3 Mortgage/Innovative Mortgage Services, Inc. is a Florida licensed Mortgage Lender.
NMLS #250769

10/03/2025

🚨 Big Changes Are Coming to Credit Scores & Mortgages 🚨

The way credit scores are used in mortgages is evolving — and it could mean better opportunities for buyers:

✅ New Scoring Models – Lenders will soon be able to use updated credit scoring systems (like VantageScore 4.0 & FICO 10T) that look at more than just traditional credit. Things like rent and utility payments may count toward your score!

✅ Lower Costs – FICO has launched a new system that cuts out expensive middlemen, which could reduce fees for lenders (and potentially for borrowers).

✅ More People Can Qualify – With modern scoring methods, many who had “thin credit files” may finally be able to qualify for a mortgage.

✅ Fairer Risk Assessment – These models are designed to be more accurate, meaning rates and approvals could better reflect your true financial picture.

💡 What this means for you:
More paths to homeownership, more chances to qualify, and potentially lower costs when getting a mortgage.

The mortgage industry is adapting — and that’s good news for buyers who’ve been on the fence about purchasing a home.

Anthony Rhodes NMLS #1704694 ✌️😁
Loan terms and requirements subject to change. This is not an offer to extend credit. A complete credit and collateral application are required in order to obtain a credit decision. A3 Mortgage / Innovative Mortgage Services, Inc. is a Florida licensed Mortgage Lender NMLS #250769

09/17/2025

FED announced today they cut rates by 25-basis-points !!! ✌️😁

08/06/2025

Here is some great info....
WHAT FACTORS DRIVE MORTGAGE LOAN INTEREST RATES?

The Fed rate decisions aren't the only factor that plays a role in where mortgage rates head next.

08/03/2025

Yesterday the senate passes the NAM ON TRIGGER LEADS with a UNANIMOUS decision !!! No longer will people be contacted and have their phones blow up with companies that they did not contact for their mortgages.

In a significant win for consumer privacy and mortgage professionals alike, the U.S. Senate on Saturday gave unanimous consent to pass H.R. 2808, the Homebuyers Privacy Protection Act, marking the final step before the bill is sent to President Donald Trump for signature.

08/01/2025

07/31/2025

To all our Property Investors and Property Management Realtors.....make sure you add the addendum!!

07/28/2025

This is Awesome - I have been following Barry Habib since I started doing Mortgages. Everyday he would EMAIL or FAX over the report...way before any social media!!!
He will be an AWESOME addition to Fannie Mae and now the MBS Highway will be such a tool for industry information.

MBS Highway is proud to announce a significant milestone for both our company and our Founder and CEO, Barry Habib.

07/15/2025

GREAT Zoom Call for TPS Families !! If you know anyone that needs some questions asked please share this.....