Overview

Truv Verification of Income and Employment (VOIE) now supports government sponsored enterprise (GSE) connectivity. Simplify your users’ experience and easily create VOIE Reports from the users' employment and income information that can be integrated with Fannie Mae’s DU Validation Service and Freddie Mac's AIM.

User reports

Truv's reports have been integrated with Fannie Mae’s DU Validation Service and Freddie Mac's Asset and Income Modeler (AIM).

Truv's vendor ID is Truv.

Integration Process

After the borrower successfully completes the VOIE process, Truv generates reports that can be retrieved by Fannie Mae and Freddie Mac using the Report ID. Upon data refresh, new reports with corresponding new Report IDs are generated. Each new Report ID must be provided to Fannie Mae and Freddie Mac to access the latest data. Subsequent VOE flows also lead to new reports being created.

The Report ID is present in Truv's VOIE Reports as highlighted below.

1. Retrieve the VOIE Report ID
   1. For Truv implementations using the bridge_token, call users/{user_id}/reports/ to retrieve the report_id. More information here.
   2. For implementations using Truv Orders, call orders/{id}/ using the order_id to retrieve the voie_report_id. More information here.

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      Note

      Ensure the borrower has successfully completed verifications of all requested employments before retrieving the report_idor voie_report_id, otherwise, there is a risk of receiving only partial DU or AIM validation.

2. Retrieve the User PDF Report
   1. Call users/{user_id}/reports/{report_id}/?fmt=pdf to retrieve the report in PDF format. Change the suffix to fmt=json to get the JSON response. More information here.
3. Sandbox Testing
   1. Use Fannie Mae's standard credentials from Truv's Testing page to test the GSE use case.
      • First and last name: Alice Firstimer
      • Username: firsttimeborrower
      • Password: goodpassword
      • SSN: 991-91-9991

Encompass

For our Encompass clients, Truv's Report ID would be available in the Encompass Loan: GSE Additional Provider Data screen as Truv (Bor, CoBorr), highlighted below.

Integration Process for Encompass

To pass Truv's Report ID to Encompass, use the following Encompass fields:

• Freddie Mac's AIM: Write the Report ID to Encompass FieldID GSEVENDOR.X50. If there is a borrower and a coborrower the corresponding Report ID should be comma separated: borrower_report_id,coborrower_report_id.
• Temporary: Fannie Mae's DU (D1C): Write the Report IDs to Encompass FieldID GSEVENDOR.X37 for the borrower and GSEVENDOR.X38 for the co-borrower. Note: Add a Truv: prefix to the Report ID: Truv:<report_id>. This is temporary until Encompass unifies the Truv Report ID into a single FieldID.