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                        Day 1 Certainty
    Applications & Technology
Day 1 Certainty
Transform your business
Day 1 Certainty® is changing the mortgage industry with the Desktop Underwriter® (DU®) validation service, value acceptance (appraisal waivers), and certainty on appraised value.

Simplify lending with tools that give you faster closing times, a better experience for your borrowers, and freedom from representations and warranties.

Day 1 Certainty helps lenders stay competitive in the market:

Leverage digital capabilities to reduce paperwork
	Benefit from more component validation to better serve borrowers
	Take advantage of more verification report choices to support your business
  
  
      Additional Resources
    
  


Desktop Underwriter
	DU Validation Service Resource Center
Day 1 Certainty logo
Prosperity Home Mortgage, LLC
                                U.S. Bank
                                Guild Mortgage

  

  DU Validation Service Icon
      
  DU Validation Service
  Leverage third-party data vendors to confirm a borrower’s income, assets, and employment and deliver a digital experience.
            Learn More
                                Day 1 Certainty Waiver Size
      
  Value Acceptance (Appraisal Waiver)
  Powered by Collateral Underwriter® (CU®), receive offers through DU to waive the appraisal for eligible transactions.
            Learn More
                                Day 1 Certainty on Appraised Value Size
      
  Certainty on Appraised Value
  Appraisals with a CU risk score of 2.5 or lower are eligible for relief from reps & warrants on property value.
            Learn More

  

  Featured Success Stories
  



Row of houses with trees against blue sky
      
  Taylor Morrison Home Funding
  Learn how Taylor Morrison has been able to reduce application-to-approval time by five business days.
            Read Now
                                First Citizens Bank
  First Citizens Bank loan officers greatly improved their cycle times and borrower satisfaction in just 60 days.
            Read Now
                                House on a hill with a tree
      
  Police and Fire Federal Credit Union
  Learn how PFFCU is providing its members the services of a large mortgage lender with the personalized attention of a credit union.
            Read More
                                Row of houses along the road at sunset
      
  The Mortgage Firm
  Since implementing the DU validation service, they have cut as much as 11.9 days* off their application-to-close time.
            Read More

  

  It benefits me as the loan officer because it takes a lot of the guesswork out of the prequalification process.
      Carson Vaughn,
              Guild Mortgage
                              Read the Success Story
help
                                Leveraging the Fannie Mae data validation tool, we can actually provide an answer instantaneously back to the customer.
      Tom Wind,
              U.S. Bank Home Mortgage
                              Read the Success Story
help




Have questions?
      Get answers to your policy and guide questions, straight from the source.
              




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