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http://www.hud.gov/offices/hsg/sfh/ins/direct-r.cfm
Direct Endorsement is not a separate program; rather, it is the mechanism that enables HUD/Federal Housing Administration (FHA)-approved lenders to consider single-family mortgage applications without first submitting paperwork to HUD.
Brokers are not direct lenders. They submit their loans to direct lenders.
Banks and Bankers can be direct lenders.
This doesn't mean what it used to mean. I don't think anyone submits files to HUD anymore.
We were with a broker before but he had to transfer our file to a direct lender. When we applied through the direct lender we were told that we got a DU approval, does this mean that the chances are good that we would be approved by their uw as well? I wasn't sure what DU approval meant like, if it was a special type of approval?
du = automated underwriting.
if the loan officer is decent.... then it will be easy from here. just have to prove all of the input data