What Is a Fannie Mae Technology Service Provider?

What a Technology Service Provider does

Fannie Mae works with technology companies so that lenders and other mortgage companies can use its tools from the software they already work in. On its Integrated Vendor List, Fannie Mae says it partners with vendors "to enable mutual customers access to our suite of solutions." A Technology Service Provider is one of those companies: its software connects to a Fannie Mae tool, and the list shows which one.

How the Desktop Underwriter integration works

Desktop Underwriter is Fannie Mae's automated underwriting system (AUS). Lenders use it to check a loan application against Fannie Mae's guidelines; it returns a recommendation, such as Approve/Eligible, with the conditions to meet. Our DU integration works at a high level like this:

1. You enter your loan information once, on airemco.com.
2. With your authorization, a soft credit pull (it does not affect your credit score) is ordered.
3. Our software sends the application and credit data to Desktop Underwriter in the format DU reads.
4. DU's findings come back, and we show them to you in plain English.

Human oversight and the broker workflow

Mortgage automation handles the data entry and the hand-off; people handle the loan. Lawrence Higgins, MS, CFM, a licensed Mortgage Loan Originator (NMLS #2530499), owns AI REMCO L.L.C., reviews the results and works with you directly. As a mortgage broker, we prepare a clean, complete file; when you're ready to apply, it goes to the lender, and the lender's underwriting determines eligibility and final terms. Neither our software nor AI makes underwriting decisions.

Privacy and security

Your information travels over encrypted (HTTPS) connections, credit is pulled only with your authorization, and Social Security numbers are never saved in your browser. See our privacy policy for details.