Day 1 Certainty
Day 1 Certainty® is changing the mortgage industry with the Desktop Underwriter® (DU®) validation service, appraisal waivers, 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
DU Validation Service
Leverage third-party data vendors to confirm a borrower’s income, assets, and employment and deliver a digital experience.
Powered by Collateral Underwriter® (CU®), receive offers through DU to waive the appraisal for eligible transactions.
Certainty on Appraised Value
Appraisals with a CU risk score of 2.5 or lower are eligible for relief from reps & warrants on property value.
Featured Success Stories
Taylor Morrison Home Funding
Learn how Taylor Morrison has been able to reduce application-to-approval time by five business days.
Guaranteed Rate Companies
This lender fostered partnerships, encouraged peer-to-peer training, and leveraged strategic marketing to succeed with the DU validation service.
First Citizens Bank
First Citizens Bank loan officers greatly improved their cycle times and borrower satisfaction in just 60 days.
Delmar Financial Company
The DU validation service enabled this lender to enact their Fast Track program to get closing in just 10 days.
Police and Fire Federal Credit Union
Learn how PFFCU is providing its members the services of a large mortgage lender with the personalized attention of a credit union.
The Mortgage Firm
Since implementing the DU validation service, they have cut as much as 11.9 days* off their application-to-close time.