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^{What Fannie Mae’s New Credit Rules Really Mean For Metro Detroit Home Buyers}

Fannie Mae recently removed its old 620 minimum credit score requirement from Desktop Underwriter, the software most lenders use to approve conventional mortgages. That change, along with big shifts in how medical debt shows up on credit reports, means many Metro Detroit buyers who were told “no” in the past may now qualify. At the same time, builders across Southeast Michigan are offering strong incentives and some local markets are softening, giving buyers more leverage than they have had in years. This guide explains what changed, how it affects real people in Metro Detroit, and the exact steps to take if you want to buy a home in the next 6 to 18 months.

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Quote of the Week

"Wake up with determination. Go to bed with satisfaction."

- George Lorimer

Metro Detroit Weekend Events

The Holly Dickens Festival returns to downtown Holly this weekend, December 13–14, 2025, transforming the area around 118 S. Saginaw St into a Victorian Christmas streetscape filled with costumed characters from Dickens novels, strolling carolers and chimney sweeps. Attendees can enjoy free horse-drawn carriage rides, live stage performances, pop-up music and the lively Run Like the Dickens race, all while exploring historic brick storefronts and local shops, including the Holly Shoppe for festive souvenirs. With its gas lamp style décor, open-air entertainment and storybook atmosphere, the festival offers one of Metro Detroit’s most charming holiday experiences.

Santa Hustle Detroit returns to Stony Creek Metropark this Saturday, December 13, 2025, turning 4300 Main Park Dr in Shelby Township into a festive sea of red hats and beards as runners in full holiday gear tackle the 10K, 5K and Kids Dash. Along the route, participants pass cookie and candy cane stations, holiday music fills the air and volunteers cheer in elf costumes, creating a high-energy celebration that doubles as a morning workout. With free entry, themed swag and medals for finishers, plus proceeds supporting the Huron-Clinton Metroparks Foundation’s Metroparks and Me initiative, this race offers a spirited way for Metro Detroit families and fitness fans to give back to the parks that help define southeast Michigan weekends.

Night of Lights returns to Greenmead Historical Village in Livonia this weekend, December 13–14, 2025, inviting families to stroll a walking route through historic homes and churches illuminated with colorful, vintage-style décor. Each evening features themed fun such as Grinch Night, Lights, Sirens & Heroes, Frozen Night and Holiday Magic, with character meet-and-greets, live music, kids’ crafts in the schoolhouse, games and street hockey, while adults gather around fire pits, shop the A.J. Geer Store and tour a bungalow fully decorated for the season. With a suggested donation of $10 per vehicle upon entry, the event blends old-fashioned village charm with the feel of a neighborhood festival, offering Metro Detroit residents a relaxed and festive way to celebrate the holidays.

Menorah in the D returns to Campus Martius Park in downtown Detroit this Sunday, December 14, 2025, as the city’s official Chanukah celebration. Thousands are expected to gather at 800 Woodward Ave as a 26-foot menorah is lit over the rink, accompanied by an evening program of music, blessings and community tributes. Guests are treated to complimentary hot soup from Chef Cari, snacks, cider, kids’ craft stations, balloon artists and dancing dreidels, creating a welcoming atmosphere for families to arrive early and stay through the lighting. With free admission and a full slate of family friendly activities, the event invites Metro Detroit residents of all backgrounds to come together and add light to the heart of the city.

Holiday Nights in Greenfield Village continues this weekend, December 12–14, 2025, at Greenfield Village in Dearborn, where more than 80 acres of historic streets and homes glow with lanterns, garlands and period décor. Guests stroll past bonfires and lamplit walkways while carolers, fiddlers and brass bands fill the night air, creating a nostalgic, storybook atmosphere that still feels big and energetic enough to count as a full night out. With tickets at $36, it remains one of Metro Detroit’s signature December traditions for families, couples and friend groups looking for a classic holiday experience.

If you're looking to buy or sell a home in Metro Detroit, The Perna Team can help you. We're fast, friendly, and have served thousands of families in the Metro Detroit area with their real estate needs. Click below to start viewing what's available in Metro Detroit today, or reach out and find out what your home is worth on today's market!

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