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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.

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Fannie Mae (Day 1 Certainty)

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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.
UsernamePasswordSSNBorrowerSample report
firsttimeborrowergoodpassword991-91-9991Alice FirstimerPDF
fannie-test.case4goodpassword666-00-6666Pitt RockPDF
fannie-test.case5goodpassword999-60-6666Suzi BuilderPDF
fannie-test.case6goodpassword999-40-5000John HomeownerPDF
fannie-test.case7goodpassword999-42-2345Lucky KnowscorePDF

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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_idSSNBorrowerSample report
456bdef4a7e944679c613f03fea436f6999-60-1111Homer LoanseekerPDF
57d2e327e2a5436798519917bf36a958999-00-1147Jess SeaPDF
c92799ae5fb541b29c727c35b5433b2f999-00-9066Ann SeaPDF
193dba3298c140479172a8129e16c36e999-60-6666Suzi BuilderPDF

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Pre-generated assets report IDs

Submit these voa_report_id values to DU for the assets portion of D1C validation.
voa_report_idSSNBorrowerSample report
be953ec913ac4f2b9086529377e087f8999-60-1111Homer LoanseekerPDF
394fe28b784d4f6a96a746e56c575d69999-12-1234Patrick PurchaserPDF
2a144c7b7af9419692ce6f1661245425999-56-5678Lorraine PurchaserPDF
d3366e56821540f8b00cceafcfdf6944999-60-6666Suzi BuilderPDF

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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.

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Pre-generated income and employment report IDs

Submit these voie_report_id values to LPA for AIM-VOIE assessment.
voie_report_idSSNBorrowerSample report
5abf3fddc6cd44a38038c0c6bfd4f26f990-50-0005Patrick FreddiePDF
bf23a64ceaf74988b14570a549d0b1c8990-40-0004Amy FreddiePDF
57868adf572f46fb989adf16a30c1ebd990-70-0007Suzi FreddiePDF
1a531ae648254ec3a27c4e259ab507f3990-11-0011Mom FreddiePDF
776f4e58b115428f94776c884c073d4d990-08-0008Alice FreddiePDF
729851aad6404bf9b30248a11445fec5990-30-0003Andy FreddiePDF

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Pre-generated assets report IDs

Submit these voa_report_id values to LPA for AIM-VOA assessment.
voa_report_idSSNBorrowerSample report
b8aa127afb1246428f0c8868c863080b990-80-0008Alice FreddiePDF
4f6bfd8bdc6645f199408fd2a35213c4991-10-0011Mom FreddiePDF
cb893b4564f949bcb20eca3b05c547af991-00-0010Dad FreddiePDF
415d91bd02a64954a15f254a8b1bb5b5990-20-0002Mary FreddiePDF
668a2ff8101f420e94f0b04c5ada6337990-10-0001John FreddiePDF
36d0a637117041c098ee39b8d8f364f1990-70-0007Suzi FreddiePDF

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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.

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Validation checklist

1

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.
2

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.
3

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.
4

Document the outcome

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

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Common issues

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.
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.
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.

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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