When perfroming FNMA QC post-funding reviews do you ever make a low risk exception of income that does not match DU? For example if what is loaded in DU to qualify the loan is actually less than the income documented in the file?

I will make a note of it on the review sheet, but I have never made an issue of it. As long as the qualifying income can be supported, I have let it go. I have reviewed files where one spouse's income was dropped from DU because the other made enough to support the loan, even though both incomes were documented in the file.

Now, if documented income is LESS than what was used to qualify, then I would make an exception.

Thank you.