Fannie Mae Desktop Underwriter returns Approve/Eligible, but two income documents expressly required by its findings remain outstanding, with no applicable documentation relief. May the lender treat the recommendation alone as sufficient final approval?
Correct Answer
A) No: the lender must obtain the required support and resolve applicable findings and approval conditions
A. The recommendation does not replace the missing required support. DU evaluates submitted information; the lender remains responsible for accurate, supported underwriting. An eligible recommendation is not permission to ignore its own documentation conditions. Scope and exceptions: Different documentation relief may apply when expressly available. If verified data changes, evaluate the applicable resubmission requirements rather than assuming every difference requires a rerun. Source: B3-2-01: lender responsibilities and DU findings — https://selling-guide.fanniemae.com/sel/b3-2-01/general-information-du
Why This Is the Correct Answer
A. The recommendation does not replace the missing required support. DU evaluates submitted information; the lender remains responsible for accurate, supported underwriting. An eligible recommendation is not permission to ignore its own documentation conditions. Scope and exceptions: Different documentation relief may apply when expressly available. If verified data changes, evaluate the applicable resubmission requirements rather than assuming every difference requires a rerun.
Why the Other Options Are Wrong
Option B: The finding must be rerun 3 times before it may be relied upon
There is no mandatory three-run rule.
Option C: The finding is binding, so the 2 documents need not be collected
It incorrectly treats the recommendation as a documentation waiver.
Option D: The finding is advisory only and carries no weight in underwriting
DU findings have an underwriting role and cannot simply be dismissed.
Exam Tip
Approve/Eligible plus satisfied conditions—not the recommendation alone.
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