The DU Validation Service Resource Center

Fannie Mae’s Desktop Underwriter (DU), the most widely used automated underwriting system in the market today, gives you even more power with the DU validation service.

What is the Desktop Underwriter validation service
and how can it help you succeed?

With the Desktop Underwriter® (DU®) validation service, mortgage lenders process more loans faster, while offering customers a superior borrower experience. By digitally validating secure third-party data through DU, you can get your borrowers approved quickly with no financing contingencies, granting them greater confidence while they’re looking for their dream home.

How does it work?

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 documentation.

Why is this good for you?

  • Reduces cycle time – Allows you to close more loans faster.
  • Speeds up efficiency – Eliminates back and forth between your borrower, processer, and underwriter.
  • Better borrower experience – Lets you give your borrower confidence that they are competitive in the market and reduces the hassle of collecting lots of documents.
  • Increased certainty – Verified data ensures that the loan is secure, allowing you to give financing approval fast.
Interactive Workflow Process

Interactive Loan Officer Workflow

Explore this interactive workflow sample to see how the DU validation service can fit into your existing process.

View Interactive Workflow ›

“Using the momentum we’ve created through Day 1 Certainty, we’ve created a process where a loan can come in and be out of underwriting in a couple of days. I don’t have issues closing loans in two weeks.”

—Eric Weiss, Guild Mortgage Sales Manager

See how Guild Mortgage is unleashing the power of
the DU validation service.

Why change your current process?

Lenders who have successfully integrated the DU validation service into their loan workflow are seeing cycle time reductions from application-to-close date of up to eight days when income and employment are validated at the loan level.