Applications & Technology

DU Validation Service

Boost efficiency, lower costs, and deliver a better borrower experience

Verify borrower data and find new lending opportunities with the Desktop Underwriter® (DU®) validation service. Digitally validate assets, income, and employment — quickly and easily — while satisfying Fannie Mae’s documentation requirements. Unlock even more process efficiencies by validating income and employment with an asset report.

Key benefits

Improve efficiency

at point-of-sale, underwriting, and processing to get to "clear to close" faster.

Lower costs

by reducing third-party report expenses and staff time by starting with an asset report.*

Increase lending opportunities

for more borrowers with the use of asset reports.

Enhance borrower experience

by reducing the number of collected documents.

* In a survey of pilot lenders, 50% saw some level of cost savings over their existing third-party report costs when using a single asset report to verify assets, income, and employment. Customer results may vary.

Get started with DU validation service

Ready to use automated validation?

Step 1:
Select and contract with one or more of our authorized verification report vendors.

For vendors that use a Reference ID, you can begin using the DU validation service upon completed contract with the report provider.
For those that use a Lender Loan Number from The Work Number (Equifax) or distributors of its reports, complete the setup form.

Step 2 (optional):
You must opt in to activate income and employment validation from asset reports.

Prepare by reviewing the Lender Readiness Checklist.
Submit the request form.

Adding value with asset reports

When you begin the verification process with an asset report, you’ll get even more from DU validation service — confirm data with a single source and unlock new opportunities to validate qualified borrowers. You may not need to order any other reports.

	Asset report	Verification of income/verification	Tax return transcript
Asset validation
Positive rent payment history consideration
Cashflow assessment
Employment validation
Wage income validation (base, bonus, overtime, commission)
Military income and entitlements validation
Sole Proprietorship (Schedule C) income validation
Child support income validation
Alimony income validation
Social Security income validation
Pension income validation
Long-term or VA disability income validation