Better prepare homebuyers with an early assessment in Desktop Underwriter

Accepts a single-bureau soft pull credit file, which won’t impact a consumer’s credit score.

Provides loan information, the conditional recommendation, and identifies the potential for HomeReady® loan eligibility, value acceptance (appraisal waivers), positive rent payment history eligibility* and asset, income, and employment validation through the DU validation service*, on a conditional basis, in the DU Findings Report.

*if verification reports are submitted

DU early assessment accepts a minimal dataset for submission.

Lenders can use the same casefile ID from pre-qualification through loan application and delivery.

Note: At the time of loan application, the casefile must be re-submitted to DU with a standard tri-merge credit report.