Early Assessment
With Desktop Underwriter® (DU®) early assessment, you get the confidence that comes with a risk assessment and conditional recommendation during the pre-qualification process. All it takes is a single soft credit pull to check a borrower’s preparedness, available mortgage options, and key eligibility information — all without impacting their credit score.
Key benefits
Less impact to credit score
Using only a single soft-pull credit file, early assessment doesn’t impact a borrower’s credit score.
Earlier eligibility information
Get loan information, a conditional recommendation, and potential eligibility for a HomeReady® loan and value acceptance.
More efficient loan process
Use the same casefile ID from pre-qualification through loan application and delivery — for a more streamlined process.
Get started with DU early assessment
Step 1.
Review the Lender Readiness Checklist for implementation considerations.
Step 2.
Contact an approved credit information provider (listed below) to set up a separate credentialed credit account for soft credit pulls. Learn more about the soft credit setup process.
Step 3.
Submit a request for activation to Fannie Mae.
Approved credit information providers
Lenders should work with their credit information provider to ensure they meet all terms and conditions prior to requesting a soft-pull credit report.
| • ACRAnet, Inc. • Advantage Credit Bureau • Advantage Credit, Inc. by Credit Interlink • Advantage Credit, Inc. of Colorado • Advantage Plus Credit Reporting • Birchwood Credit Services, Inc. • Certified Credit Reporting, Inc. • CIC Mortgage Credit, Inc. • CISCO Credit | • CoreLogic Credco • Credit Information Systems • Credit Interlink, Inc. • Credit Plus by Xactus • Credit Technologies, Inc. • Data Facts, Inc. • Equifax Mortgage Solutions • Factual Data by CBC • Funding Suite, a Covius Solution • Informative Research • KCB Credit LLC • Lenders One • MeridianLink* • NCRA* | • Partner's Credit and Verification Solutions • Premium Credit Bureau • Sarma • Service First Information Systems • SettlementOne • SharperLending Solutions, LLC* • United One • Universal Credit by Xactus • Xactus |
*Supports early assessment via credit information providers (affiliates).
To become a Fannie Mae-approved credit information provider for early assessment,
learn how to get started or request to become an approved provider.
Get more out of DU
View user guides, FAQs, and training resources — and get help from our support team.
DU & DO Learning Center
For information on using Desktop Underwriter® and Desktop Originator®, visit the learning center.
DU Validation Service Resource Center
For information on using the DU validation service, visit our specialized resource center.
