What is the DU Validation Service and Day 1 Certainty?
Fannie Mae’s DU validation service (a component of Day 1 Certainty, or, D1C) helps you improve your borrower’s experience by reducing paperwork and can help you process loans faster. By using Truework and the DU validation service, you can receive freedom from reps & warrants on income and employment validated in DU.
Additionally, data shows that you can reduce cycle time up to 12 days* when employment and income are validated at the loan level through Fannie Mae’s DU validation service.
Is my Truework request eligible for D1C?
Truework is able to determine whether or not your request is D1C-eligible after submission. Typically, Truework requests are D1C-eligible if the data is accessible through Truework's network of 35 million employee records. They may also be eligible if the requests are available to Truework via one of our third-party provider partners.
You will be made aware of whether or not you request is D1C-eligible via email notification. You can also access that information
- Directly in your Truework Dashboard and
- Within the completed report.
1. D1C in your Truework Dashboard
In your Truework Dashboard, click on the "Requests" tab and scroll to the completed report:
If the request is D1C-eligible, you will see it highlighted in purple above the "Request Detail" tab:
2. D1C within the completed report
You can access your completed report from your Truework Dashboard and (if using) within Encompass. If the report is D1C-certified, you will see the following on the upper right-hand corner of the document: