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Note: The credit report must meet the allowable age of documents as of the note date. If the credit report expired prior to the note date and the loan casefile is being resubmitted to DU, a new credit report must be requested.
Fannie Maes automated mortgage loan underwriting system Desktop Underwriter (DU) helps lenders efficiently complete credit risk assessments to establish a home loans eligibility for sale and delivery to Fannie Mae with easy-to-use, powerful tools.
A DU approval signals that your loan has been through an additional layer of underwriting review, making it more likely to be approved by the final loan underwriter. This can set you apart from other buyers who may only have a basic preapproval, potentially making your offer more attractive.
Capacity, Credit, and Collateral The three Cs of underwriting play an essential role in the underwriting process. Regarding Capacity, your debt-to-income ratio is the most important component. Ideally, you would like your DTI ratio to be at or below 40%.
Desktop Underwriter uses the information contained in your credit report as part of the underwriting process. The credit report factors considered by Desktop Underwriter include: credit history; delinquent accounts; credit card accounts; public records, foreclosures, and collection accounts; and inquiries.
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Underwriting serves as the final review of a borrowers loan file and generally takes at least a few weeks to complete.

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