Chart your course with confidence
Rely on DU’s comprehensive examination of the risk factors in a mortgage application and credit report, regularly updated and informed with the latest market conditions and loan performance data, to effectively and efficiently evaluate credit risk and extend the benefits of Fannie Mae’s underwriting innovations.
Coming January 2025
Introducing Desktop Underwriter® (DU®) V. 12.0, which represents a major update to DU’s credit risk assessment and opens new opportunities for homeownership. Underwrite with even greater confidence, qualify more borrowers soundly, and get ready for business growth.
DU V. 12.0 delivers:
Enhanced risk and eligibility assessment 
New ways to evaluate borrowers with thin or no credit 
More possibilities through rent history and cash flow assessment
Enhanced risk and eligibility assessment
DU V. 12.0 delivers improvements in its ability to analyze the risk of mortgage delinquency through a comprehensive review of the risk factors in a borrower's loan application and credit report, supported by the inclusion of:
- Additional loan performance data across recent economic cycles
- The latest market conditions to more effectively consider the impact of economic factors found to be predictive of early delinquency risk
New ways to evaluate borrowers with thin or no credit
DU V. 12.0 will expand the number of borrowers with limited or no credit that can benefit from automated underwriting:
- Borrowers without a credit score can be evaluated by DU and receive recommendations for more types of loans
- Loans where no borrower has a credit score and at least one borrower has a minimum of one credit or installment account on their credit report will be subject to standard eligibility guidelines
More possibilities through rent history and cash flow assessment
Additional borrowers will benefit from DU's assessment of cash flow and on-time rent payments:
- Borrowers with a credit score will be able to benefit from a cash flow assessment (previously only those without a credit score were eligible)
- Any borrower currently paying rent will be able to benefit from consistent rent payment history reported on their credit report in addition to a 12-month asset verification report
Enhanced risk and eligibility assessmentEnhanced risk and eligibility assessment
DU 12.0 delivers improvements in its ability to analyze the risk of mortgage delinquency through a comprehensive review of the risk factors in a borrower's loan application and credit report, supported by the inclusion of:
- Additional loan performance data across recent economic cycles
- The latest market conditions to more effectively consider the impact of economic factors found to be predictive of early delinquency risk
New ways to evaluate borrowers with thin or no creditNew ways to evaluate borrowers with thin or no credit
DU 12.0 will expand the number of borrowers with limited or no credit that can benefit from automated underwriting:
- Borrowers without a credit score can be evaluated by DU and receive recommendations for more types of loans
- Loans where no borrower has a credit score and at least one borrower has a minimum of one credit or installment account on their credit report will be subject to standard eligibility guidelines
More possibilities through rent history and cash flow assessmentMore possibilities through rent history and cash flow assessment
Additional borrowers will benefit from DU's assessment of cash flow and on-time rent payments:
- Borrowers with a credit score will be able to benefit from a cash flow assessment (previously only those without a credit score were eligible)
- Any borrower currently paying rent will be able to benefit from consistent rent payment history reported on their credit report in addition to a 12-month asset verification report
Learn more about these updates and other changes in support of the Mission Index™, Value Acceptance, and Value Acceptance + Property Data in the Release Notes.
