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Undisclosed Debt Monitoring – UDM

Undisclosed Debt Monitoring (UDM) service through ACRAnet monitors pending mortgage applicants for undisclosed liabilities and inquiries on a daily basis.

UDM helps our clients meet Fannie Mae's Loan Quality Initiatives (LQI) pre and post-closing requirements.

Why Use UDM?

  • Stay in Compliance with Fannie Mae and Freddie Mac to identify undisclosed financial obligations.

  • Save time and avoid delays in loan closing by quickly identifying critical changes on a borrower’s credit file i.e. late pays, collections, inquiries, higher credit card balances   and new tradelines while your files are in processing and underwriting

  • Lender Pipeline protection by identifying a mortgage inquiry when a consumer is shopping for another mortgage with a competitor. 

  • Prevent lender buy backs for debt not disclosed prior to funding and affecting DTI

Our UDM products includes Equifax, Trans Union and Experian.    

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