EarlyCheck Job Aids


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Importing and Checking a Loan File for Potential Issues

The EarlyCheck™ service assists you in identifying and correcting potential loan delivery eligibility and/or data integrity issues anytime during the loan process—underwriting, pre-closing, post-closing, prior to funding correspondent loans and/or before shipping the loan for sale to Fannie Mae. The service is intended to help lenders identify potential problems prior to loan delivery.

This job aid describes how to import and check a loan file for potential issues. EarlyCheck supports single loan file submissions of the 1003 v3.2 and MISMO® AUS v2.3.1 file formats (also known as “origination files”) and supports single loan and batch loan file submissions of the ULDD-MISMO 3.0 file format (also known as a “delivery file”).

Note: In order to import loan files in EarlyCheck, you must have access to EarlyCheck. For instructions on gaining access to EarlyCheck, refer to the How to Register for EarlyCheck job aid. For information on exporting a file from your LOS, refer to the instructions provided in your LOS.

  1. From the EarlyCheck Login screen (https://earlycheck.fanniemae.com), log in with your user ID and password.

  2. The Loan-Level Results List screen appears. Click Import and Check Loan.

Note: There are two different results lists available. You can toggle between the two different list views by clicking the appropriate button (View ULDD-MISMO 3.0 Submissions or View Loan-Level Results) in the upper right corner of the screen.

  1. The Import and Check Loan screen appears. If your user ID is associated with multiple institutions/seller numbers, you have the option to select the institution or seller to which the loan should be associated. Select an Institution from the drop-down list.

Note: If the Institution Name drop-down list does not appear on the screen, skip to step 4.

  1. Click Browse to select the file you wish to check.

  2. The Choose File to Upload window appears. Select the desired loan file, then click Open.

  1. Select the appropriate file type for the file you are importing. The table below describes each file type:

    File Type Description

    1003/MISMO 2.3.1

    Used to check a single loan file exported from Desktop Underwriter® (DU®) or a loan origination system (LOS).

    ULDD-MISMO 3.0

    Used to check a single loan file or batch of loan files in a delivery file.

If you are importing an origination loan file and would like to compare it with a casefile in DU, enter the casefile ID if it has not been provided in the import file.

When you are finished, click Import & Check.

Once the loan file(s) has been checked, the EarlyCheck Results appear for the loan file(s).

If you imported an origination loan file, a detailed, loan-level results report appears.

If you imported a delivery file (single loan file or batch of loan files), a submission-level summary results report appears, showing edits that displayed for each loan.

Note: Batch loan file submissions have a size limitation: the lesser of 10,000 loans or 3MB. If a batch submission contains more than 500 loans, the Summary results returned from EarlyCheck will contain the “Summary” section only (i.e., the “Loan Level Results” section will not be displayed); loan-level detail may be downloaded in XML format.

You should look at the reports closely, as they identify potential eligibility and/or data issues that may impact delivery of the loan(s) to Fannie Mae. For more information on the EarlyCheck Results, refer to the Viewing EarlyCheck Results job aid.

The EarlyCheck Results for an individual loan file can also be viewed at a later time.

If the Results file for your loan submission contains an error message, it may be due to one of the following reasons: 

  • An invalid value was present in one or more of the fields

  • One or more of the fields contained an invalid enumeration

  • The maximum field length limit was exceeded for one or more of the fields

  • The file contained illegal characters

  • The file was missing one or more required fields

  • One or more of the values entered was out of range

  • The structure of the file was invalid

  • The file contained an invalid or duplicate ID

  • The length of one or more of the segments was invalid

  • One or more of the segments in the file was invalid

Correct the error if possible, and then import and check the loan file again. If the error is due to an incorrectly formatted input file, you may need to contact your LOS vendor or in-house technology team to fix the error.

Note: You cannot edit loan data in EarlyCheck. If needed, make changes to loan data in the application you used to generate the loan file and import and check the loan file within EarlyCheck again.

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