Guide to underwriting with desktop underwriter 2005 form-2025

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Desktop Underwriter (DU) is Fannie Maes automated mortgage loan underwriting system. Building on 30 years of digital underwriting innovation, DU is a powerful tool to help lenders assess credit risk and establish a loans eligibility for sale and delivery to Fannie Mae.
Standards may differ from lender to lender, but there are four core components the four Cs that lenders will evaluate in determining whether they will make a loan: capacity, capital, collateral and credit.
A quick assessment of your financial situation can give you a solid sense of where you stand. Your ability to get a mortgage depends on four primary factors: your credit history, financial capacity, available capital and collateral.
This important step in the process focuses on the three Cs of underwriting credit, capacity and collateral.