© 2019 Fannie Mae. All rights reserved. The Challenge Soon after Day 1 Certainty® was announced in 2016, Police and Fire Federal Credit Union (PFFCU) leadership was quickly sold on the potential benefits that it and the Desktop Underwriter® (DU®) validation service offered through automated data validation, but their staff was hesitant. As with the adoption of any tool, they were concerned about the adjustments PFFCU would need to make in existing technology and processes, and how its borrowers would react to the changes. The Solution Collaboration & Learning Based on a suggestion from their Fannie Mae relationship manager, the PFFCU lending team, led by Joseph Pazienza, PFFCU Senior Vice President, started a small income and employment verification pilot with experienced loan a

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