Fannie Mae just dropped the update everyone’s been waiting for — they’re now open to looking at credit scores below 620. Which means every 580 buyer with a TikTok mortgage degree is about to think they qualify for a million-dollar home. But here’s the truth behind the headline: the guideline changed… the risk buckets didn’t. Reserves, income strength, DTI, and compensating factors still run the whole show. More people can get looked at. Not everyone gets waved through. The internet is about to g