DU / AUS

Last updated: October 5, 2026

CURRENT RULE

DU 12.1 is live (Sep 25, 2026). Changes that hit your files: DU flags likely occupancy issues before an occupancy fraud finding; new validation message on appraisal review items; job-specific verification is now explicitly acceptable (name, title, phone number, and phone extension or email for a person at the employer who can verify); DU’s minimum-credit check drops files to ineligible when it finds no borrower with a credit score (no more Caution referral).

DON’T MESS UP

The occupancy flag is a warning, not an approval. Document occupancy clearly and don’t guess on the application.
On job verification, a named person with a direct line or email beats a generic HR number.
A no-score borrower now means ineligible, not a Caution. Set expectations with borrowers who have no usable credit.

OFFICIAL SOURCES

DU 12.1 release notes (Sep 25, 2026)

Part of the GTG LO Library. Confirm the current rule with your lender before quoting.