One Day or

Day One


Select a customer spotlight to read about their journey with the DU validation service.

Get Started

Start fast-tracking loans today.

When you’re ready to make the move to the DU validation service, we’ll be here to guide you along the way. Start with these simple steps:

Step One, watch the Jump Start video to understand what you’ll need.

Step Two, select and contract with vendors of your choice for income, asset, and employment verification.

There are over 75 report provider options to choose from. See here for the full list.


Transform your company’s workflow.

Empower your team with the tools they need today to help your business succeed into the future.

Discover industry insights in “Unleashing the Full Potential of the DU Validation Service.”

Read White Paper

Learn how loan officers will use the tool with the Sample Interactive Workflow.

Visit Workflow

Frequently Asked Questions

Get the facts.

Powerful solutions can be complex, but we’re here to help simplify things.

What is the difference between the DU® validation service and Day 1 Certainty®?

The DU validation service is one tool from Fannie Mae that enables lenders to receive Day 1 Certainty, which gives lenders certainty on validated loan components and freedom from representations and warranties. Appraisal Waivers and Certainty on Appraised Value are the other two additional components that help lenders receive certainty from Fannie Mae.

Is there a cost associated with using the DU validation service?

No, Fannie Mae does not charge a fee. Lenders should contact the vendor(s) of their choice to discuss product pricing.

What type of loans are eligible for the DU validation service?

Only conventional loans are eligible. Non-conforming or government loans (such as VA, FHA, and Rural Development) are not eligible. There may be additional restrictions for income types and other loan components.

Can lenders work with resellers of eligible verification reports?

Yes. Fannie Mae has an open platform for data vendor participation to provide choices to our customers. Lenders may participate in the DU validation service through relationships with vendors of their choice that can provide Day 1 Certainty verification reports accepted by Fannie Mae, including “resellers” of eligible reports.

What is required to get Day 1 Certainty on validated loan components?

As long as the lender meets all DU validation service requirements in the Selling Guide and complies with applicable DU messages, the lender receives Day 1 Certainty for validated components.

How does an organization implement the DU validation service?

After you choose your vendor(s), follow the simple steps outlined in our Implementation Checklist.

Looking for another topic?
Visit the Frequently Asked Questions for a full list of common questions.

For more information, contact your Fannie Mae account team or visit