This episode is a part of Unlocking Loan Solutions with Radian, a micro-learning series for mortgage & real estate professionals, with video, audio, and job aid for each topic. Choose your preferred learning style and take your learning experience to a new level.Watch the VideoDownload the Job AidAll episodesIn this episode, we delve into the complex and often misunderstood topic of non-traditional credit history in mortgage loan underwriting. Non-traditional credit history refers to alternative forms of credit that can be used when traditional accounts like student loans, mortgages, credit cards, or automobile loans are not present. We will explore:What is a non-traditional credit history?Fannie Mae’s Eligibility Requirements for non-traditional creditUnderwriting non-traditional creditScenarios to understand the application of non-traditional credit in mortgage loan underwritingResourcesFannie Mae Selling GuideSection B3-5.4, Nontraditional Credit HistoryB3-5.4-01, Eligibility Requirements for Loans with Nontraditional CreditB3-5.4-02, Number and Types of Nontraditional Credit ReferencesB3-5.4-03, Documentation and Assessment of a Nontraditional Credit History B3-2-03, Risk Factors Evaluated by DUB2-2-04, Guarantors, Co-Signers, or Non-Occupant Borrowers on the Subject TransactionB2-2-06, Homeownership Education and Housing CounselingFreddie Mac Seller/Servicer Guide5201.1 Credit assessment with Loan Product Advisor®Sign up for Radian National Training Updates© 2024 Radian Group Inc. All Rights Reserved. 550 East Swedesford Road, Suite 350, Wayne, PA 19087. "Radian" is a brand of Radian Group Inc., including its licensed insurance affiliates. Mortgage insurance is provided and underwritten by Radian Guaranty Inc., a wholly owned subsidiary of Radian Group Inc. with home offices at 550 East Swedesford Road, Suite 350, Wayne, PA 19087. Radian Guaranty Inc. is a monoline mortgage insurance company licensed to write business in all 50 states, the District of Columbia and Guam. Radian Group Inc. and its subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. Redistribution or reproductio

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