Complete Guide to Embedded Orders

Embedded Orders provide a comprehensive solution for income and employment verification that supports multiple data sources and complex employment scenarios. This custom embedded page allows users to connect multiple employers and financial institutions in a single workflow.

What Are Embedded Orders?

An Embedded Order is a customizable verification workflow that enables users to:

Connect Multiple Income Sources: Link current and previous employers, government benefits, and financial accounts
Complete Full Employment History: Gather comprehensive multi year employment and income data
Verify Government Benefits: Include Social Security, VA benefits, and other assistance programs
Generate Consolidated Reports: Produce GSE-approved reports combining all income sources
Customize User Experience: Brand and tailor the workflow with templates

Key Capabilities

Multi-Connection Support: Users can connect multiple employers and income sources
Template Customization: White-label experience with your branding and workflows
Multiple Product Integration: Combine VOIE, VOA, and manual document collection.
GSE Compliance: Generate Fannie Mae and Freddie Mac approved reports
Real-time Processing: Instant data retrieval from 15,000+ providers

When to Use Embedded Orders

Embedded orders are ideal for any verification scenario requiring comprehensive income and employment data. The embedded orders abstract away all the complexity of connecting multiple accounts and providing context for it.

Primary Use Cases

Mortgage and Home Lending

For mortgage and HELOC applications requiring complete 24-month employment history:

Multiple Employment Sources: Current and previous employers within verification period
Complex Income Structures: Mixed W-2, 1099, and benefits income
GSE Compliance Requirements: Fannie Mae and Freddie Mac reporting standards
Underwriting Documentation: Complete income and employment verification package

Social Services and Government Programs

For benefit eligibility and assistance program verification:

Income Qualification: Verify income for assistance programs
Various Income Types: Combine W2 income with gig employment and self employment
Program Compliance: Meet federal and state verification requirements

Consumer Finance and Lending

For personal loans, auto loans, and credit applications:

Income Verification: Comprehensive income assessment for lending decisions
Employment Stability: Verify employment history and job stability
Risk Assessment: Detailed income and employment data for credit decisions

Background Screening and Employment

For pre-employment verification and background checks:

Employment History Verification: Comprehensive employment background checks
Income Verification: Salary verification for new hires
Compliance Screening: Meet FCRA and employment verification requirements

Comprehensive Multi-Product Support

Embedded orders support multiple verification products simultaneously, providing a complete financial picture:

Income and Employment Verification (VOIE)

Current Employment Details: Job title, salary, employment status, and dates
Pay Statement Analysis: Recent paystubs with detailed earnings breakdown
Annual Income Documentation: W-2s and year-end paystub documents
Variable Income Tracking: Overtime, bonus, commission, and other income
Employment History: Complete 24-month employment timeline

Verification of Assets (VOA)

Bank Account Verification: Checking and savings account balances
Investment Account Data: Retirement and investment portfolio information
Asset Documentation: Account statements and balance confirmations
Transaction Analysis: Deposit patterns and account activity
Liquid Asset Calculation: Available funds for down payment and closing costs

Document Processing and Upload

Automated Document Processing: AI-powered extraction from uploaded documents
Document Authentication: Fraud detection and document verification
Multiple Document Types: Support for paystubs, tax forms and statements
Fallback Options: Document upload when direct connections aren't available

Consolidated Reporting

User-Level Reports: Combined data from all sources in single report
GSE-Approved Format: Reports accepted by Fannie Mae and Freddie Mac
Real-time Data Updates: Automatic updates when new information becomes available

Positioning in Your Workflow

Embedded orders integrate seamlessly into various workflow types depending on your use case:

Mortgage and Home Lending Workflows

Loan Application Stage: Integrate during income and employment verification section
Pre-qualification: Early income verification for loan pre-approval
Underwriting Support: Comprehensive verification for loan underwriting
Section Naming: "Income & Employment Verification" or "Financial Verification"

Social Services and Government Program Workflows

Application Process: Integrate during eligibility determination phase
Recertification: Use for ongoing benefit eligibility verification
Program Intake: Initial verification for program enrollment
Section Naming: "Income Verification" or "Eligibility Verification"

Employment and Background Screening Workflows

Pre-employment Screening: Verify employment history and income for new hires
Contractor Verification: Verify income for contractors and freelancers
Section Naming: "Employment History Verification" or "Income Verification"

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Template Recommendations
Multiple products can be included in a single embedded order. When combining products, we recommend:

VOIE + VOA: Name section "Income & Asset Verification"

Employment Only: Name section "Employment History Verification"

Webhooks

Listen for the order-status-updated webhooks, which provide the status of the Truv Order and indicate when the data is ready to be retrieved once the status is set to completed. The data_source specifies the income source of the Order. Use the order_id, user_id, and link_id to trigger the corresponding income information retrieval. More info here.

Webhook Setup Subscribe to Truv webhooks by navigating to the Webhooks section of the dashboard and entering the URL endpoint for receiving updates.

Order status

All possible order statuses are listed below:

pending - Truv is processing the borrower's information
sent - Order email or SMS is on its way to borrower
completed - Borrower has completed request for action
error - Notification issue
canceled - Order is no longer requested
expired - Order is past expiration date, no longer valid
skipped - Borrower has exited Order before completing request for action
no data - Provider has no data

Testing and Validation

Access comprehensive testing resources through Truv's Testing Documentation for complete validation of embedded order functionality across all supported scenarios.