{"id":440901,"date":"2024-01-23T09:09:47","date_gmt":"2024-01-23T14:09:47","guid":{"rendered":"https:\/\/www.housingwire.com\/?p=440901"},"modified":"2024-01-23T10:34:09","modified_gmt":"2024-01-23T15:34:09","slug":"empowers-new-workflow-makes-it-easier-for-lenders-to-consider-rent-payments-when-qualifying-first-time-homebuyers","status":"publish","type":"post","link":"https:\/\/www.housingwire.com\/articles\/empowers-new-workflow-makes-it-easier-for-lenders-to-consider-rent-payments-when-qualifying-first-time-homebuyers\/","title":{"rendered":"Empower adds automated workflow for rent payment history"},"content":{"rendered":"\n<p><a href=\"https:\/\/www.housingwire.com\/articles\/ice-black-knight-agree-to-sell-optimal-blue-to-constellation-software-to-save-the-merger-deal\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Constellation Software<\/strong><\/a>\u2019s <a href=\"https:\/\/www.housingwire.com\/articles\/dark-matter-technologies-execs-talk-transition-from-black-knight-innovation-in-the-mortgage-tech-space\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Dark Matter Technologies<\/strong><\/a><strong> <\/strong>rolled out an automated workflow in the Empower loan origination system (LOS) that makes it easier for lenders to identify and qualify loan applicants who could benefit from evaluation of their positive rent payment history.<\/p>\n\n\n\n<p>Developed in partnership with <a href=\"https:\/\/www.housingwire.com\/directories\/informative-research\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Informative Research<\/strong><\/a><strong> <\/strong>\u2013 a technology services and consulting company \u2013 utilizing the positive rent payment history enhancement in <strong>Fannie Mae<\/strong>\u2019s underwriting system, known as Desktop Underwriter (DU), the workflow in the Empower LOS is designed to allow lenders to improve pull-through for borrowers who have a history of consecutive on-time rent payments.&nbsp;<\/p>\n\n\n\n<p>If a loan file is submitted to DU that can\u2019t be approved as-is because of limited borrower credit history, but otherwise could be approved with sufficient rent payment history, DU will share that finding back to the lender.&nbsp;<\/p>\n\n\n\n<p><strong>Fannie Mae<\/strong> began to incorporate <a href=\"https:\/\/www.housingwire.com\/articles\/on-time-rent-now-counts-in-fannie-mae-underwriting\/\" target=\"_blank\" rel=\"noreferrer noopener\">customers\u2019 rent payments into DU <\/a>in September of 2021.<\/p>\n\n\n\n<p>Fannie Mae&#8217;s DU enabled single-family lenders \u2014 with permission from mortgage applicants \u2014 to automatically identify recurring rent payments in the applicant\u2019s bank statement data to deliver a more inclusive credit assessment.<\/p>\n\n\n\n<p>By leveraging 12-month asset verification reports furnished by authorized providers such as Informative Research\u2019s AccountChek and by using an integrated LOS such as Empower, lenders can use Fannie Mae\u2019s DU automated underwriting system to take into account positive rent payment data when assessing the creditworthiness of certain first-time homebuyers.<\/p>\n\n\n\n<p>Here\u2019s how the automated workflow in Empower works behind-the-scenes:<\/p>\n\n\n\n<ul>\n<li>When a loan application is submitted to DU through Borrower Digital, or another front-end application integrated with the Empower LOS, and does not initially receive an approve-eligible recommendation, DU will determine whether rent payment data could provide a more favorable recommendation.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>If the DU findings recommend evaluating the applicant\u2019s rent payment history, the automated engine within the Empower system will suggest obtaining a 12-month asset verification report through AccountChek.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>The Empower LOS will play the role of the conductor, ensuring the consumer-permissioned asset data gathered from AccountChek is routed for resubmission to DU at exactly the right point in the process as identified by the originator.<\/li>\n<\/ul>\n\n\n\n<p>\u201cThis is a prime use case of how business process automation can create value not only for lenders but for borrowers as well,\u201d said Rich Gagliano, CEO of Dark Matter Technologies. \u201cOur task-based orchestration engine allows lenders to improve pull-through for borrowers with nontraditional credit references without burdening loan officers or processors.\u201d<\/p>\n\n\n\n<p>In the fall of 2022, Fannie Mae launched a <a href=\"https:\/\/www.housingwire.com\/articles\/fannie-mae-launches-rent-payment-reporting-pilot-program\/\" target=\"_blank\" rel=\"noreferrer noopener\">rent payment reporting pilot program <\/a>to help renters of multifamily properties build their <a href=\"https:\/\/www.housingwire.com\/articles\/on-time-rent-now-counts-in-fannie-mae-underwriting\/\" target=\"_blank\" rel=\"noreferrer noopener\">credit histories<\/a> and improve their credit scores.<\/p>\n\n\n\n<p>Eligible multifamily property owners were able to share rent payment data through a vendor network to <strong>TransUnion<\/strong>, <strong>Equifax<\/strong> and <strong>Experian<\/strong> in the renter\u2019s credit profile.<\/p>\n\n\n\n<p>In light of positive survey data and an impact analysis, Fannie Mae&#8217;s positive rent payment pilot program has been extended through December 2024.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dark Matter Technologies and Informative Research partner up to help lenders improve pull-through for borrowers with a history of consecutive rent payments <\/p>\n","protected":false},"author":39492,"featured_media":411303,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1692,267958],"tags":[1214,8584,2108],"coauthors":[267988],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.5 (Yoast SEO v21.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Empower adds automated workflow for rent payment history - HousingWire<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.housingwire.com\/articles\/empowers-new-workflow-makes-it-easier-for-lenders-to-consider-rent-payments-when-qualifying-first-time-homebuyers\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Empower adds automated workflow for 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