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.

Impact of COVID-19 on the DU validation service:

To align with policy outlined in Lender Letter LL-2020-03, Impact of COVID-19 on Originations, there are temporary changes to the DU validation service in effect until further notice including age of documentation requirements, use of market-based assets, and suspension of employment validation.

Review the April 18 release notes for more information on age of documentation requirements and use of market-based assets.

Review the May 1 release notes for more information on the suspension of employment validation.

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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