Desktop Underwriter Job Aids


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Entering the Data for Community Seconds as a Subordinate Lien for Purchase Transactions

For ease of reference, we will generally use the term “DU” to refer to Desktop Originator® and Desktop Underwriter® (DO®/DU®).

Data is required on several different screens when entering a Community Secondsâ subordinate lien. This document shows you how to enter the necessary data. This document is not intended to provide detailed instructions for entering 1003 data in DU, but rather to explain the specific steps for entering the data needed for a Community Seconds loan on a purchase transaction.

Note:  For more information about Community Seconds, see Mortgage Products on

The first step assumes that you have already logged in to DU and you are in the loan casefile you want to submit with a Community Seconds subordinate lien.

  1. Click Income & Housing in the navigation bar.  The Income and Housing screen appears. In the Combined Monthly Housing Expense section, enter the subordinate financing payment amount in the Other Financing (P&I) field in the Proposed column if a payment is required.

  2. Click Details of Transaction in the navigation bar. The Details of Transaction screen appears.  Enter the subordinate lien amount in the j. Subordinate Financing field.

  3. Click Additional Data in the navigation bar.  Locate the Community Lending Information section.

  4. Fill in the Community Lending Information section. Enter Community Seconds data.

Note: The first mortgage does not have to be a Community Lending product.

Take the following steps:

    1. If you are using HomeReady® for the first mortgage, select HomeReady in the Community Lending Product field.

    2. Select Yes in the Community Seconds field.  Otherwise the system defaults to “No” for this field. 

    3. If you are using a Community Seconds® mortgage, you must select the appropriate option from the Community Seconds Repayment Structure drop-down list.

    4. You may select the County, but it is no longer used to determine the income limit. The census tract is typically used to determine the income limit. If DU is unable to determine the census tract, then you may enter the FIPS Code associated to the property, which would then be used to determine the income limit (see next step).

  1. DU will typically determine the income eligibility requirements based on the census tract in which the property is located. If DU is unable to determine the census tract, the lender may provide the Federal Information Processing Standard (FIPS) code which is a unique code assigned to all geographic areas by the U.S. Census Bureau.

  2. When you have finished entering all the necessary data, click Submit.

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