We recognize the importance of having a set of ethical principles that guide the work of mortgage underwriters, mortgage processors and other mortgage professionals. Although we are a "for profit" association, we do our best to follow standard industry best practices and methodologies that help to strengthen and enhance our "professional development" training & certification programs.

NOTE: We do not provide complaint resolution for new, existing or prior NAMU® members/certificants, and as such, we will not become the judge or jury in deciding who is right and who is wrong.

In Fulfillment of the Obligation to the Profession, NAMU® Members…

I. Shall not in an application for employment deliberately make a false statement or fail to disclose a material fact related to competency and qualifications.

II. Shall not misrepresent his/her professional qualifications.

III. Shall not assist any entry into the mortgage underwriting profession of a person known to be unqualified in respect to character, education, or other relevant attribute.

IV. Shall not knowingly make a false statement concerning the qualifications of a candidate for a employment.

V. Shall not assist a person or firm in the unauthorized practice of mortgage underwriting.

VI. Shall not disclose confidential information about colleagues, borrowers, vendors, or clients, obtained in the course of employment as a mortgage underwriter unless disclosure is authorized by such, or is required by law.

VII. Shall not knowingly make false or malicious statements about a colleague, client, borrower or vendor.

VIII. Shall not accept any gratuity, gift, or favor that might impair or appear to influence professional decisions or actions as a mortgage underwriter.

IX. Shall not knowingly commit mortgage fraud of any kind.


Ethical Requirements for NAMU® Certification…

I. Shall maintain fair and professional business practice towards peers and customers at all times.

II. Shall offer educational services to customers that are lawful and ethical.

III. Shall freely provide service information in a manner that promotes and preserves the principle of freedom of choice for customers in a fully informed environment.

IV. Shall not mislead or seek to deceive customers regarding advertising, content, operation or billing of services.