Kentucky Homebuyers & Realtors: Rent and Utility Payments Can Now Help You Qualify for a Mortgage (2026 Update)
Major shift in mortgage approvals for 2026.
If you’ve been renting in Kentucky and paying your bills on time—but struggled to qualify for a mortgage—this change could open the door to homeownership.
New updates from Fannie Mae and Freddie Mac, guided by the Federal Housing Finance Agency (FHFA), now allow lenders to use credit scoring models that include rent and utility payment history.
