Insights and Timing to help you Prepare for the New URLA

Are you ready for the new URLA?  Starting July 1, 2019, both Fannie Mae and Freddie Mac will begin the optional use period of the redesigned Uniform Residential Loan Application (“URLA”) published jointly by the Government-Sponsored (“GSEs”).  Starting February 1, 2020, all loans with an application date on or after February 1, 2020 and purchased by Fannie or Freddie must contain the redesigned URLA. 

URLA table


At Docutech, we are committed to providing exceptional service and value to help improve regulatory compliance for our clients. As such, ever since the Federal National Mortgage Association (“FNMA”) and Federal Home Loan Mortgage Corporation (“FHLMC”) revealed their newest versions of FNMA Form 1003/FHLMC Form 65 (“Uniform Residential Loan Application” or “URLA”) on August 23, 2016, we have been publishing various posts addressing different aspects of the URLA (and other documents associated with it), ranging from legal analysis to system support. Check them all out here:

  • We noted FNMA’s and FHLMC’s changes to their previously published version of the URLA when these were announced on December 19, 2017 and began working on conforming our working copy of the new URLA to match these changes (see


Both Fannie Mae and Freddie Mac have published a wide variety of highly useful documentation related to the new URLA covering the below topics:

  • Timeline
  • General Fact Sheet about the Redesign
  • General FAQ about the Redesign
  • The official Redesigned FNMA Form 1003/FHLMC Form 65, both English and a Spanish Translation Aid
  • Sample interactive and dynamic forms
  • Sample completed forms
  • Guidance on how to populate the Redesigned 1003
  • Guidance on how to format the Redesigned 1003
  • A comparison of the differences between the current 1003 to the Redesigned 1003

Visit Fannie Mae’s resources here and Freddie Mac’s resources here.

In addition to the above resources, Docutech has also created supplemental documentation including: 

  • Details about the fields that will be used on the Resigned 1003
  • Notes and FAQ about Docutech’s implementation of the Redesigned 1003
  • Sample forms printed through ConformX

To learn more, call us at 800.497.3584 or email us at