Overview

Truv Verification of Income and Employment (VOIE) provides government sponsored enterprise (GSE) connectivity. With the appropriate configuration, generate and send user VOIE Reports directly to Fannie Mae and Freddie Mac. Simplify your users’ experience with a straightforward way of connecting their financial provider information.

User reports

During the verification process, generate user reports with the VOIE Reports endpoints in addition to retrieving information from the provider. These reports are available to send as needed.

Government sponsored enterprise (GSE) compatibility

VOIE report responses contain the gse_accepted field. With this Boolean value enabled, GSEs such as Fannie Mae and Freddie Mac accept the report as is. These two respond differently depending on the resulting reports available. Reports from Truv through this integration are available in the Asset and Income Modeler (AIM) and Desktop Underwriter (DU) systems, respectively.

• Fannie Mae - Fully compatible reports are marked as GSE compatible
• Freddie Mac - GSE flagged reports may include incomplete or incompatible information

Report availability

After VOIE Orders are successfully processed, Truv creates reports that would be accessed by Fannie Mae and Freddie Mac by the Report ID. After data refreshes, new reports with corresponding new Report IDs, are generated. Each new Report ID must be passed to Fannie Mae and Freddie Mac to access the most recent data. Subsequent VOE orders also lead to new reports being created.

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

Encompass

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