Fannie Mae Day 1 Certainty


Universal Credit Services announces Day 1 Certainty™ Approval

Universal Credit Services is pleased to announce that Fannie Mae has approved Universal Credit Services as an Authorized Report Supplier of eligible verification reports for the Desktop Underwriter® (DU®) validation service from Fannie Mae.



What is Day 1 Certainty?

Day 1 Certainty is a Fannie Mae initiative that streamlines loan processing and offers lenders relief from certain buybacks. Lenders receive certainty regarding income, assets, and employment information that has been validated by the DU validation service. With validation, lenders will receive freedom from representations and warranties on validated loan components regarding the accuracy of income and/or asset calculation, borrower employment status, and the integrity of the data from the vendor.


How Does Universal Credit Help You Get Day 1 Certainty?

  • Provides access to the information necessary to validate loan application data up-front and gives lenders faster and easier verification of key loan data components.
  • Gives you the ability to offer your borrowers a dramatically better mortgage experience.
  • Borrowers will be able to save time by using electronic data versus collecting documents, such as tax transcripts.
  • Convenient access to all services via our proprietary technology saving you time and minimizes errors with pre-populated fields.
  • The same Great “Universal Service” you have come to expect.

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