# Transform your mortgage operations with Argyle + Day 1 Certainty®

Reduce costs, accelerate loan cycles, and get relief from representations and warranties on validated data through Fannie Mae when you use Argyle with the Desktop Underwriter® (DU®) validation service.

## Benefits

### Stay competitive with Argyle and DU validation

#### 80% cost savings

Compared to legacy vendors and manual processes.

#### Shorter loan cycles

Close up to 12.5 days sooner with Argyle.

#### Better-converting verifications

Thanks to the highest conversion rate on the market (55%+).

#### Relief from reps and warranties

On certain loan components validated through DU.

## How it works

### Using Argyle with DU® is easy, secure, and seamless for lenders and borrowers alike

①

### Order a verification

You order a verification report from Argyle through your POS, LOS, Console or API integration.

➁

### Borrower connects an account

Argyle prompts the borrower to connect their account(s) with just a few clicks.

➂

### Argyle delivers GSE-compliant report

Argyle sends a GSE-compliant report that includes a DU reference number and all of the components required to receive Day 1 Certainty.

➃

### DU® Validation

You provide DU with the reference number, and DU pulls in and validates the data from the Argyle report.

➄

### The final step

You deliver the loan file to Fannie Mae with the confidence of knowing you’re eligible for relief from representations and warranties on the validated loan components.

## Why Argyle

### Accuracy through permissioned data

#### Straight from the source

Direct-source income, employment, and asset verifications are consumer-permissioned and come from the system of record.

#### Accurate, real-time data

Argyle verifications don’t rely on data that comes from a database and there’s no time lag, so lenders can be confident in the accuracy and quality of the data they receive.

#### No expensive middleman

Other verification vendors buy data and pass those costs on to lenders. Direct-source solutions keep prices low by leveraging the principles of open finance.

## Explore more resources

[Blog  
**Argyle vs. The Work Number: The Case for Direct-Source Data**](https://www.argyle.com/blog/argyle-vs-the-work-number)

[Blog  
**Argyle Supports Day 1 Certainty®**](https://www.argyle.com/blog/argyle-day-one-certainty-approved)

## Ready to see what Argyle can do for you?

Get in touch to learn more about our verification platform.