VantageScore 4.0 just became a big deal in April 2026, and the easiest way to understand it is this: the way lenders look at your credit for a mortgage is starting to change. For a long time, getting a mortgage basically came down to one thing, your FICO score. That was the standard almost everywhere. Now, that is starting to open up. Fannie Mae and Freddie Mac, which back a large portion of U.S. home loans, are now allowing lenders to use VantageScore 4.0. The FHA is also mo