Investors often see multiple FICO versions and want to know which one DSCR lenders rely on.
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Which FICO Version Is Used for a DSCR Loan?
OVERVIEW
Most DSCR lenders use mortgage‑grade FICO models such as FICO 2, 4, or 5, depending on the bureau.
You can check your loan options in under 60 seconds — fast, secure, and no credit impact.
FICO MODEL BREAKDOWN
Experian often uses FICO 2, TransUnion uses FICO 4, and Equifax uses FICO 5. What this means for you: your mortgage scores may differ from the scores shown in consumer apps.
NEXT STEPS
If you want a clearer picture of what you qualify for, the next step is simple. Use the quick form below to see your loan options with no credit impact and no obligations. It gives you real numbers, a clearer path forward, and the confidence to move at your own pace.
Ready to see your loan options? Start below — fast, secure, no credit impact, and takes under 60 seconds.
No credit pull. No obligations. Just real numbers.
WHY THESE QUESTIONS MATTER
Knowing which FICO models lenders use helps you understand why your mortgage scores look different. This clarity prevents confusion during pre‑approval. It also helps you track the right scores as you prepare to apply. Understanding the model differences gives you a more accurate picture of your eligibility.
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