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Day 1 Certainty Logo - Fannie Mae

Avantus Verification Solutions
for Fannie Mae Day 1 Certainty

Day 1 Certainty (D1C) for data validation provides the confidence that Fannie Mae will not enforce certain representations and warranties obligations for loan components that have been validated by the DU validation service. The following is an explanation of how your Avantus verifications will be fulfilled for D1C:

Verification of Income (4506-T)

Avantus is an Authorized Report Supplier of 4506-T Tax Transcript verification reports for Day 1 Certainty. Lenders using Desktop Underwriter® (DU®) from Fannie Mae now have access to IRS Direct 4506-T Tax Transcript Verifications from Avantus.

This direct integration with the Desktop Underwriter® (DU®) validation service and the IRS gives lenders the assurance that Fannie Mae will provide Day 1 Certainty when income is verified in DU using Avantus 4506-T reports.

Verification of Employment (VOE)

Avantus has been providing Verification of Employment (VOE) for its customers in conjunction with The Work Number (TWN) though it's Reseller Agreement. Through the Avantus D1C initiative, Avantus will continue to receive requests from clients for its VOE service through our platform and developed LOS interface(s). Avantus will continue to deliver the VOE product, and have the report available for reissue through Fannie Mae's DU platform so that clients can take advantage of D1C and the corresponding waiver of the representation and warranty.

Verification of Assets (VOA)

Avantus, through its Reseller Agreement with AccountCheck/FormFree, can deliver lenders an easy and secure analysis of a borrower's asset information to determine their ability-to-repay by using direct-source data– thus eliminating the need for borrowers to collect, copy and submit paper statements.

3 Steps to be Ready for Day 1 Certainty

3 Steps to Day 1 Certainty Readiness

If you have questions, or would like more information on our products for Day 1 Certainty simply give us a call at 800.243.0120.