Overview

Truv’s integration with Blue Sage Loan Origination System empowers lenders to perform fast, accurate, and compliant income and employment verifications directly within the LOS environment. Whether initiating a new order, refreshing data mid-process, or submitting to AUS systems like Fannie Mae DU® and Freddie Mac LPA®, Truv offers a reliable, user-friendly experience embedded directly in Blue Sage's workflow. This ensures that verifications are processed efficiently with minimal disruption to the loan pipeline.

Key Benefits

• One-Click Order Initiation: Easily create and manage Truv VOI/E orders within Blue Sage, eliminating the need to switch between systems or rekey borrower data.
• End-to-End Automation: From borrower verification to document delivery and AUS field population, Truv simplifies and automates the verification process.
• Compliance-Ready Results: All data returned via Truv is sourced from verified providers and formatted to meet Fannie Mae and Freddie Mac standards.

How it works

• Initiate Verification: From within Blue Sage, users can launch a new Verification of Income (VOI) order by selecting Truv under Vendor Services and submitting borrower details.
• Borrower Notification and Authentication: Borrowers receive and email and SMS notification where they are able to securely connect their payroll accounts through Truv’s user-friendly experience, or upload income documents if needed.
• Receive Verified Data: Truv generates a VOI/E report and supporting documents (e.g., pay stubs, W-2s) and delivers them directly into Blue Sage, ready for AUS submission and loan processing.

Blue Sage Set up Guide

Setting up Truv within Blue Sage is straightforward and only needs to be done once:

• Ensure Truv is added as an authorized verification provider in Vendor Services.
• Configure your team’s access and default template preferences.
• Enable permissions for Loan Officers and processors to create and manage orders.
• Work with your Truv Customer Success Manager to test configuration in a sandbox environment.

Ordering a Verification

Blue Sage users can initiate, manage, and track Truv verification orders directly from within the LOS platform. Here’s how the workflow operates:

Create a Verification in Blue Sage

1. Navigate to Loans
2. Open Vendor Services
3. Select Verification of Income
4. Click Order New Service
5. Choose Truv as the Network Provider
6. Select the Borrower Name
7. Click Submit Order to initiate verification and notify the borrower

Request a Refresh in Blue Sage

1. Open Vendor Services
2. Select Verification of Income under Type of Service
3. Change Request Type to Refresh Order
4. Click Save to request updated verification data

Retrieve Truv Report ID for AUS Submission

1. Go to Vendor Services
2. Select the Type of Service used
3. Click the Findings tab
4. Copy the Verification Report ID
5. This unique Report ID is automatically passed to Blue Sage AUS fields for submission to DU® or LPA®.

Submit to AUS (Fannie Mae DU® or Freddie Mac LPA®)

1. Open the relevant Loan File
2. Navigate to the AUS section from the left panel
3. Truv’s Report ID is automatically populated into AUS documentation fields for submission to both GSEs.

Retrieve Supporting Documents

All documents returned from Truv—such as pay stubs, W-2s, and VOI/VOE reports—are uploaded directly to:

1. The Findings tab within Vendor Services
2. The Document Manager

Borrower Workflow using Truv in Blue Sage

When a verification is initiated from Blue Sage, borrowers receive a secure Truv link (via embedded POS or notification), guiding them through account linking or document upload.

• Borrowers authenticate using payroll credentials or OTP verification.
• If employers are pre-filled, Truv deep-links to the correct provider.
• Borrowers can connect multiple employers or upload pay stubs, W-2s, and 1099s as needed.
• Truv verifies authenticity using fraud detection tools.
• Reports are automatically delivered back to Blue Sage for loan officer review.

For a quick overview of the borrower’s workflow, watch the video below:

Launch with Truv in Blue Sage

• Contact Customer Success: Reach out to your Truv or Blue Sage CS team for initial configuration.
• Enable Truv: Ensure Truv is activated under Network Providers.
• Customize Templates: Set up Truv templates for VOI/E, VOA, and fallback document workflows.
• Test in Sandbox Mode: Run through sample verifications in a non-production environment.
• Go Live: Switch to production credentials and begin real borrower verifications.

Refer to the detailed step-by-step guide to launch Truv within Blue Sage.