Applications & Technology

Desktop Underwriter Validation Service

Streamline processes and receive rep and warrant relief

With the Desktop Underwriter® (DU®) validation service, you can verify borrower income, employment and assets using digital capabilities, which can reduce risk and help you close loans faster.

The DU validation service delivers:

  • Automated validation of borrower data, including income, employment, and assets.
  • Less paperwork with fewer documents to collect from a borrower.
  • Day 1 Certainty® through relief from representation and warranties when income, employment, and/or asset information is validated.

Use the DU validation service to save time and benefit from process efficiencies and a better experience for your borrowers.

Desktop Underwriter Validation Service Availability

Every day, 24 hours a day, except from 1 a.m. to 5 a.m. ET the first and third Sundays each month due to maintenance.

All Technology Application Availability

Get started and discover best practices by visiting the resource center.

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Propel your business with powerful capabilities and make the most of every lending opportunity

Supporting resources

How It Works

Once a lender has contracted with third-party data vendor(s), it can begin using the DU validation service.

DU validation service process diagram


Get Started 

There are a few steps you need to take to get started. 

First, review authorized verification report vendors: Fannie Mae has an open platform for data vendor participation to provide choices for customers. Review the list of available vendors.

Then select and contract with vendor(s) of your choice for income, asset and employment verification: 

  • For vendors who use a Reference ID: Once contracts are completed, you can start using the DU validation service.
  • To automatically obtain reports using the Lender Loan Number from The Work Number (Equifax) or distributors of its reports: complete the setup form.

Access resources in the Resource Center to learn more about implementing and using the DU validation service at your organization.

Technology Terms & Conditions

The Technology Terms and Conditions previously provided on this page are now located in the new Consolidated Technology Guide. A PDF version of the Guide and other related content is available on the Consolidated Technology Guide page