“After assessing the profile of loans delivered to us since the DU 10.1 changes went into effect, we are fine-tuning DU’s risk assessment to limit risk layering.” This is a direct quote from Fannie Mae as they set to implement their new Desktop Underwriter updates over St. Patrick’s Day weekend. We all remember last year when Fannie Mae adjusted DU 10.1 to allow for mortgages with DTIs up to 50%... well, it just so happens that the industry took full advantage of that (give a