Before we submit every loan, we first MUST get an âautomated approvalâ from âDOâ or âDUâ (Fannie Maeâs âAutomated Underwriterâ), or from âLPâ (Freddie Macâs âAutomated Underwriterâ). âDOâ stands for Desktop Originator and âDUâ stands for Desktop Underwriter â both names are used interchangeably and mean the same thing.
The Initial Enrollment Period (IEP) is the first time you can sign up for Medicare. You may join Medicare Parts A, B, C and D during this time: 1  The 3 months before your 65th birthday, 2  The month of your birthday, and.  The 3 months after your birthday.
When you turn 65 (and have no other drug coverage that is as good as Medicare), you need to join a Part D drug plan during the 7-month initial enrollment period when you can sign up for Medicare Part A and Part B. This period runs from three months before the month of your 65th birthday to three months after it.