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, 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. Up to 8 days saved when assets are validated. Up to 12 days when employment and income are validated at the loan level. Up to 12 days saved when Appraisal Waiver is exercised. <2.5 risk score. In the last year, 63% of eligible loans delivered to Fannie Mae received an appraisal risk score of 2.5 or lower and were eligible for relief from reps & warrants on appraised value.