The DU Validation Service Resource Center

The DU validation service validates your borrower’s income, assets, and employment in just a few clicks through third-party data reports‑increasing speed and efficiency while reducing the need for paper documents.

Positive rent payment history is live in Desktop Underwriter

DU now uses asset report data to consider a borrower’s 12-month positive rent payment history, which can help more first-time homebuyers qualify for a mortgage. Learn more about how utilizing asset validation through the DU validation service can help your borrowers benefit.

Pushing paper, or pulling ahead?

Lenders across the country are using the Desktop Underwriter® (DU®) validation service to deliver a superior borrower experience and get Day 1 Certainty®. By digitally validating secure third-party data through DU, you can eliminate the paper chase and get your borrowers approved quickly.

How does it work?

The DU validation service lets you leverage third-party data from over 75 report provider options to streamline collection of borrower income, employment, and asset information.

Why is this good for you?

The DU validation service can help you drive positive outcomes for your organization, employees, and borrowers through:

  • Exceptional customer service
    • Dramatically reduce paperwork
    • May result in quicker loan approvals
    • Compete with cash offers
    • Help eliminate last minute requests for additional information
  • Cycle time reductions
    • Potential shorter rate locks
    • Increase capacity of loan application volume
    • Utilize your human capital more efficiently
  • Digital innovation
    • New vendors continuously added
    • Prep for new technologies that are coming in the near future
    • Keep up with the competition and borrower expectations
  • Rep & warrant relief
    • May result in reducing amount of capital required
    • Income
    • Employment
    • Assets
  • Employee satisfaction
    • Faster commissions
    • Gain ability to focus on more complex loans
    • Increased referrals

Find out how this lender is using data validation through Fannie Mae.

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Best Practices

Whether you’re just getting started or well on your way to becoming a power user, our resources can help you get the most out of the DU validation service.

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