Rocket Mortgage

After four months of testing, Rocket will make VantageScore 4.0 its preferred model for eligible retail loans while keeping both scoring options available to brokers

Lenders are now offering $845,000, $847,440, or $850,000 before FHFA sets the official 2027 limits

Prime rose to 7% while the 10-year Treasury remained near 5%, giving originators two different borrower conversations

Its $850,000 limit is available through consumer-direct, TPO, and correspondent lending ahead of FHFA’s 2027 announcement

The retail lender matched Rocket’s $845,000 ceiling as this year’s rollout began weeks earlier than it did in 2025

The higher limit gives brokers more room to keep borrowers from crossing into jumbo territory