GSE Testing

Validate your GSE submission flow against Fannie Mae’s Desktop Underwriter (DU) and Freddie Mac’s Loan Product Advisor (LPA) using the sandbox credentials and report IDs below. Each credential maps to a specific borrower profile, and each report ID maps to a pre-generated Truv report you can submit directly to DU or LPA without re-running the borrower through Bridge.

For non-GSE VOIE and VOA testing, see Income & Employment Testing and Assets Testing. For the underlying D1C and AIM product context, see Day 1 Certainty (D1C) and Asset and Income Modeler (AIM).

For additional login fields used by any test credential, use Phone: (111)111-1111 and Email: goodlogin@domain.com.

Fannie Mae (Day 1 Certainty)

Borrower test accounts

Run these usernames against Truv Payroll Provider in Truv Bridge to generate a fresh VOIE report for the borrower profile. Each maps to a sample PDF showing the expected output.

Username	Password	SSN	Borrower	Sample report
`firsttimeborrower`	`goodpassword`	`991-91-9991`	Alice Firstimer	PDF
`fannie-test.case4`	`goodpassword`	`666-00-6666`	Pitt Rock	PDF
`fannie-test.case5`	`goodpassword`	`999-60-6666`	Suzi Builder	PDF
`fannie-test.case6`	`goodpassword`	`999-40-5000`	John Homeowner	PDF
`fannie-test.case7`	`goodpassword`	`999-42-2345`	Lucky Knowscore	PDF

Pre-generated income and employment report IDs

Submit these report IDs directly to Desktop Underwriter — no Bridge run required. DU pulls the VOIE data from Truv using the ID.

`voie_report_id`	SSN	Borrower	Sample report
`456bdef4a7e944679c613f03fea436f6`	`999-60-1111`	Homer Loanseeker	PDF
`57d2e327e2a5436798519917bf36a958`	`999-00-1147`	Jess Sea	PDF
`c92799ae5fb541b29c727c35b5433b2f`	`999-00-9066`	Ann Sea	PDF
`193dba3298c140479172a8129e16c36e`	`999-60-6666`	Suzi Builder	PDF

Pre-generated assets report IDs

Submit these voa_report_id values to DU for the assets portion of D1C validation.

`voa_report_id`	SSN	Borrower	Sample report
`be953ec913ac4f2b9086529377e087f8`	`999-60-1111`	Homer Loanseeker	PDF
`394fe28b784d4f6a96a746e56c575d69`	`999-12-1234`	Patrick Purchaser	PDF
`2a144c7b7af9419692ce6f1661245425`	`999-56-5678`	Lorraine Purchaser	PDF
`d3366e56821540f8b00cceafcfdf6944`	`999-60-6666`	Suzi Builder	PDF

Freddie Mac (Asset and Income Modeler)

Freddie Mac’s AIM uses the same VOIE / VOA report shape as Fannie Mae’s D1C — the same voie_report_id works for both LPA and DU submissions. The IDs below are pre-generated Freddie-oriented reference cases.

Pre-generated income and employment report IDs

Submit these voie_report_id values to LPA for AIM-VOIE assessment.

`voie_report_id`	SSN	Borrower	Sample report
`5abf3fddc6cd44a38038c0c6bfd4f26f`	`990-50-0005`	Patrick Freddie	PDF
`bf23a64ceaf74988b14570a549d0b1c8`	`990-40-0004`	Amy Freddie	PDF
`57868adf572f46fb989adf16a30c1ebd`	`990-70-0007`	Suzi Freddie	PDF
`1a531ae648254ec3a27c4e259ab507f3`	`990-11-0011`	Mom Freddie	PDF
`776f4e58b115428f94776c884c073d4d`	`990-08-0008`	Alice Freddie	PDF
`729851aad6404bf9b30248a11445fec5`	`990-30-0003`	Andy Freddie	PDF

Pre-generated assets report IDs

Submit these voa_report_id values to LPA for AIM-VOA assessment.

`voa_report_id`	SSN	Borrower	Sample report
`b8aa127afb1246428f0c8868c863080b`	`990-80-0008`	Alice Freddie	PDF
`4f6bfd8bdc6645f199408fd2a35213c4`	`991-10-0011`	Mom Freddie	PDF
`cb893b4564f949bcb20eca3b05c547af`	`991-00-0010`	Dad Freddie	PDF
`415d91bd02a64954a15f254a8b1bb5b5`	`990-20-0002`	Mary Freddie	PDF
`668a2ff8101f420e94f0b04c5ada6337`	`990-10-0001`	John Freddie	PDF
`36d0a637117041c098ee39b8d8f364f1`	`990-70-0007`	Suzi Freddie	PDF

Retrieving a fresh report ID

If you generated a new VOIE or VOA report by running a borrower through Bridge against the sandbox accounts above, retrieve the report ID before submitting to DU or LPA. From an Embedded Order:

curl https://prod.truv.com/v1/orders/{order_id}/ \
  -H "X-Access-Client-Id: YOUR_TRUV_CLIENT_ID" \
  -H "X-Access-Secret: YOUR_TRUV_CLIENT_SECRET"

The response includes voie_report_id and voa_report_id. From a Bridge token implementation:

# VOIE
curl https://prod.truv.com/v1/users/{user_id}/reports/ \
  -H "X-Access-Client-Id: YOUR_TRUV_CLIENT_ID" \
  -H "X-Access-Secret: YOUR_TRUV_CLIENT_SECRET"

# VOA
curl https://prod.truv.com/v1/users/{user_id}/assets/reports/ \
  -H "X-Access-Client-Id: YOUR_TRUV_CLIENT_ID" \
  -H "X-Access-Secret: YOUR_TRUV_CLIENT_SECRET"

To pull the rendered PDF for either, append ?fmt=pdf to the report retrieval URL (or ?fmt=json for the structured response).

Ensure the borrower has completed every requested verification (income, employment, assets) before submitting the report ID. Partial completions produce partial DU and LPA validation.

Validation checklist

Confirm report freshness

Use the latest voie_report_id and voa_report_id for the borrower. Refreshed data creates new IDs — old IDs are not re-validated by the GSE.

Check Encompass field mapping (if applicable)

For ICE Encompass clients, confirm GSEVENDOR.X50 (Fannie VOIE), GSEVENDOR.X37 / GSEVENDOR.X38 (Fannie VOA), and GSEVENDOR.X43 / GSEVENDOR.X44 (Freddie VOA) are populated before submission.

Submit to DU or LPA

Submit the report ID and validate the response — DU Findings for Day 1 Certainty eligibility, LPA Feedback for AIM assessment.

Document the outcome

Capture the GSE response against each test case for your underwriting QA evidence.

Common issues

DU or LPA can't retrieve the Truv report

Possible causes:

Submitted an outdated report ID (a refresh produced a newer one).
Borrower verification was partial — VOIE missing, VOA missing, or neither has reached done.
Vendor ID isn’t set to Truv in your LOS or DU/LPA submission.

Solution: Pull the freshest voie_report_id and voa_report_id directly from GET /v1/orders/{order_id}/ and re-submit. Confirm the order shows status: done for the relevant products first.

Not eligible for Day 1 Certainty

Possible causes:

Loan profile doesn’t meet D1C criteria.
Income type isn’t covered by D1C rep and warranty relief.
Data age requirements aren’t met (D1C has free re-verifications for 90 days after the initial report).

Solution: Review D1C eligibility for your loan type on the Fannie Mae Desktop Underwriter page.

Field mapping rejected by Encompass

Possible causes:

Report IDs written into the wrong GSEVENDOR field.
Borrower and coborrower IDs combined incorrectly — the Fannie VOIE field expects borrower_id,coborrower_id comma-separated; the VOA fields are split into separate borrower/coborrower fields.

Solution: Cross-check the field mapping against the Day 1 Certainty page and the AIM page.

Next steps

Day 1 Certainty (D1C)

Fannie Mae Desktop Underwriter integration

Asset and Income Modeler (AIM)

Freddie Mac Loan Product Advisor integration

Sample Reports

Report retrieval patterns and Encompass mappings

Launch Checklist

Pre-production validation

​Fannie Mae (Day 1 Certainty)

​Borrower test accounts

​Pre-generated income and employment report IDs

​Pre-generated assets report IDs

​Freddie Mac (Asset and Income Modeler)

​Pre-generated income and employment report IDs

​Pre-generated assets report IDs

​Retrieving a fresh report ID

​Validation checklist

​Common issues

​Next steps

Day 1 Certainty (D1C)

Asset and Income Modeler (AIM)

Sample Reports

Launch Checklist

Fannie Mae (Day 1 Certainty)

Borrower test accounts

Pre-generated income and employment report IDs

Pre-generated assets report IDs

Freddie Mac (Asset and Income Modeler)

Pre-generated income and employment report IDs

Pre-generated assets report IDs

Retrieving a fresh report ID

Validation checklist

Common issues

Next steps