VantageScore 4.0 Stays at $1 — Good News for CA Borrowers

VantageScore 4.0 pricing has been extended at just $1 through 2028, giving lenders and brokers more flexibility — and potentially benefiting borrowers with thinner credit files.

There's a quiet but meaningful shift happening in how mortgage lenders evaluate your credit — and it could work in your favor.

VantageScore 4.0 (VS4), an alternative to the traditional FICO score, will remain available to lenders at just $1 through the end of 2028. Adoption is growing fast — nearly 2,000 lenders are already pulling VS4 scores, and over 165 lenders are using it exclusively for certain loan types.

Why does this matter for California borrowers? VS4 is designed to score more consumers, including those with limited credit history or non-traditional credit profiles. If you've been told your credit score isn't quite where it needs to be for a home loan, VS4 may paint a more complete picture of your creditworthiness.

For brokers like us, having access to multiple scoring models — VS4, Classic FICO, and FICO 10T — means we can find the best path forward for a wider range of clients. It's not just about checking a box; it's about getting you qualified and into the right loan.

Curious how your credit profile looks under different scoring models? Reach out to our team — we'll pull your mortgage credit report and walk you through your options at no obligation.