Day 1 Certainty
Day 1 Certainty® is changing the mortgage industry with the Desktop Underwriter® (DU®) validation service, appraisal waivers (value acceptance), and certainty on appraised value.
Simplify lending with tools that give you faster closing times, a better experience for your borrowers, and freedom from representations and warranties.
Day 1 Certainty helps lenders stay competitive in the market:
- Leverage digital capabilities to reduce paperwork
- Benefit from more component validation to better serve borrowers
- Take advantage of more verification report choices to support your business
Cycle time reductions

Up to 6 days
Saved when assets are validated.

Up to 8 days
Saved when income and employment are validated at the loan level.

Up to 17 days
Saved by exercising an appraisal waiver.
Numbers based on data from April 2019 through March 2020 from lenders who have successfully integrated the DU validation service and/or appraisal waivers into their loan workflow. Note that lenders realizing best-in-class savings had extended cycle times when not using the DU validation service, typically about 40-45 days from App-to-Close.
≤ 2.5 risk score
From October 2020 through September 2021, 64.7% of eligible loans delivered to Fannie Mae received an appraisal risk score of 2.5 or lower and were eligible for relief from representations and warranties on appraised value.
