Applications & Technology

Day 1 Certainty

Transform your business

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
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Cycle time reductions

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.