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# How do I submit a loan to Fannie Mae’s Desktop Underwriter (DU) or Freddie Mac's Loan Product Advisor?

After the interface is set up in Interface Manager, create a new transaction or recall an existing one. At a minimum, enter data for the Uniform Residential Loan Application (URLA) and go to the menu and select Automated Underwriting. Pulling a credit report prior to using automated underwriting is required, or you will receive errors with the response. You can use the credit report functionality within the product that will automatically populate the credit reference ID, or you can supply your own credit reference ID prior to submitting to underwriting.

List of Required Fields

- Borrower
  - First, Last Name
  - SSN
  - Physical Street Address, City, State, Postal Code
  - Citizenship
  - Birth Date
  - Marital Status
  - Current Employer Base Monthly Income
- Collateral
  - Location Address, City, State, Postal Code; County
  - Sales Price
- URLA or UCARE document
  - No. of Units
  - Present Address Own or Rent, No. Yrs.
  - At least one Present Combined Monthly Housing Expense (Loan Product Advisor only)
  - Declarations a. - i., l. and m.