10/12/2026
Big news for homebuyers! š”
A major lending update is creating more opportunities for borrowers who may have previously been held back by minimum credit score requirements.
United Wholesale Mortgage (UWM) has eliminated its minimum credit score requirements for eligible Conventional, FHA, VA, and USDA loans, allowing automated underwriting findings to determine eligibility instead.
What does that mean for you? More flexibility, more possibilities, and potentially a new path toward homeownership.
Your credit history still matters, and approval isn't guaranteed, but a lower credit score may not be the roadblock it once was.
Wondering if this update could make a difference for you? Let's take another look at your options!
š² Contact Legacy Lending to get started.
*Program eligibility and approval are subject to automated underwriting findings, applicable agency and lender guidelines, and other qualification requirements. Certain loan products and scenarios retain minimum credit score requirements. Not a commitment to lend. Legacy Lending | NMLS #2418241.*
