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On December 18, 2019, Fannie Mae and Freddie Mac (the “GSEs”) announced the new implementation timeline for the redesigned Uniform Residential Loan Application (“URLA”) and updated automated underwriting systems (“AUS”). 

Per the announcement, updated URLA interactive forms (fillable PDF versions), Form Rendering Guidelines, and Instructions will be published in January 2020.  The new integration test period is set to begin March 9, 2020, when integrated lenders and software partners will be able to test full functionality in the GSEs’ test environments.

 A Limited Production phase is scheduled to start on June 1, 2020 through August 31, 2020.  During this time, the GSEs will begin accepting application submission files in production from approved participants.  To be approved for access to the Limited Production phase, integrated customers must demonstrate technical and operational readiness to the GSEs by meeting the following criteria:

  • Complete AUS Testing by successfully submitting specified test cases and meeting all AUS technical requirements

  • Complete the Partner Readiness Questionnaire that satisfactorily demonstrates that front office, internal touch points, and external trading partners are ready to use the redesigned URLA and updated AUS datasets, and that readiness has been communicated to these partners

  • Receive GSE permission to participate using the redesigned URLA prior to the effective date of September 1, 2020

September 1, 2020 is the earliest “Effective Date” for the redesigned URLA.  When ready, any lender may begin submitting to the GSEs’ AUS production environment between September 1, 2020 and October 31, 2020.

November 1, 2020 is the mandated date when all lenders must use the redesigned URLA and the updated AUS MISMO v3.4 datasets.  Applications dated prior to November 1, 2020 may be completed as “legacy files” using the 7/05 (rev. 6/09) URLA. The last day “legacy files” will be accepted is November 1, 2021, when the pipeline transition period ends.   

To view the announcement, click here.

DocMagic will continue to provide updates about our ongoing work to support the implementation of the revised URLA based on the new timeline requirements.