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Truv is an authorized report supplier for Fannie Mae’s Desktop Underwriter (DU). Truv reports provide representation and warranty relief on validated loan components: income, employment, and assets. Truv’s vendor ID is Truv.

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How it works

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Day 1 Certainty eligibility

Official Fannie Mae resource: Desktop Underwriter D1C provides:
  • Rep and warranty relief on income, employment, and assets
  • Reduced documentation requirements
  • Free re-verifications for up to 90 days after the initial report
“Current as of” date: For DU, this reflects the end of period from the borrower’s last pay statement.

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Implementation checklist

Use this sequence for a production-ready Fannie Mae flow:
  1. Complete your Truv integration using LOS integrations or Custom Integration
  2. Collect borrower income and, when needed, asset verification through Truv
  3. Retrieve the latest voie_report_id and voa_report_id
  4. Submit the Report ID into Desktop Underwriter
  5. Validate DU findings and confirm Day 1 Certainty eligibility
  6. If data is refreshed, use the newest Report ID for resubmission

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Integrate with Encompass

For ICE Encompass clients, Truv’s Report ID appears in the Loan: GSE Additional Provider Data screen as Truv (Bor, CoBorr).

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VOIE field mapping

Write the Report ID to Encompass FieldID GSEVENDOR.X50. For borrower and coborrower, comma-separate the Report IDs: 
borrower_report_id,coborrower_report_id

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VOA field mapping

BorrowerCoborrower
GSEVENDOR.X37GSEVENDOR.X38

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Validation checklist

1

Verify report generation

Confirm Truv generated the latest VOIE and VOA reports and that the borrower completed all required verifications before you submit to DU.
2

Confirm field mapping

If you use Encompass, verify GSEVENDOR.X50, GSEVENDOR.X37, and GSEVENDOR.X38 are populated correctly before DU submission.
3

Submit to DU

Submit the current Report ID in Desktop Underwriter and confirm DU can retrieve the report successfully.
4

Review DU findings

Check for Day 1 Certainty eligibility, missing data, or any partial-validation conditions caused by incomplete borrower verification.

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Test in sandbox

For DU-oriented borrower test accounts, pre-generated VOIE and VOA report IDs, and sample report PDFs, see GSE Testing. For the general payroll credential matrix and non-GSE scenarios, see Income & Employment Testing and Assets Testing.

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Next steps

Asset and Income Modeler (AIM)

Freddie Mac Loan Product Advisor integration

Sample Reports

Shared report retrieval patterns and Encompass mappings

Sandbox

Sandbox credentials and test scenarios

Launch Checklist

Pre-production validation