How it works
AIM products
Official Freddie Mac resource: Asset and Income Modeler (AIM)Income and employment (AIM)
Automated income and employment assessment through payroll data. LPA evaluates borrower income using Truv’s VOIE report data.Assets (AIM)
Automated asset assessment from connected bank accounts. LPA evaluates account balances, ownership, and transaction history.Document income (AIM Check API)
For borrowers without a direct payroll connection, Truv supports the AIM Check API for instant paystub and W-2 assessment. Upload documents through Document Processing and submit the report to LPA.“Current as of” date: For LPA, this reflects the pay date of the borrower’s last pay statement.
Implementation checklist
Use this sequence for a production-ready Freddie Mac flow:- Complete your Truv integration using LOS integrations or Custom Integration
- Collect VOIE, VOA, or AIM Check document income based on the borrower workflow
- Retrieve the latest report identifier for the product you will submit
- Submit the current Report ID through Loan Product Advisor
- Review AIM feedback and confirm the result matches the loan scenario
- If Truv data is refreshed, resubmit using the newest Report ID
Integrate with Encompass
For ICE Encompass clients, Truv’s Report ID appears in the Loan: GSE Additional Provider Data screen under the Freddie Mac section.VOA field mapping
| Borrower | Coborrower |
|---|---|
GSEVENDOR.X43 | GSEVENDOR.X44 |
VOIE field mapping
Write the Report ID to the appropriate Encompass Freddie Mac vendor field for your implementation.Validation checklist
Verify the correct product path
Confirm whether the loan is using payroll-based AIM, asset-based AIM, or document-based AIM Check before retrieving the final report.
Confirm report freshness
Always use the latest Truv report generated for the borrower. Refreshed data creates a new Report ID and should replace older IDs in LPA submission.
Check Encompass mapping
If you use Encompass, confirm the Freddie Mac Report ID fields are populated correctly before the loan is submitted.
Test in sandbox
For LPA-oriented 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.Next steps
Day 1 Certainty (D1C)
Fannie Mae Desktop Underwriter integration
AIM Check
Document-based Freddie Mac income workflow
Sample Reports
Shared report retrieval patterns and Encompass mappings
Launch Checklist
Pre-production mortgage validation