> ## Documentation Index
> Fetch the complete documentation index at: https://docs.truv.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Asset and Income Modeler (AIM)

> Asset and Income Modeler (AIM) integration through Loan Product Advisor for income, employment, and assets

Truv is an AIM service provider for Freddie Mac's Loan Product Advisor (LPA). Truv delivers automated assessment of borrower income, employment, and assets through [Asset and Income Modeler (AIM)](https://sf.freddiemac.com/tools-learning/technology-tools/our-solutions/aim-asset-income-modeler), and instant paystub and W-2 assessment through the AIM Check API.

Truv's vendor ID is **Truv**.

## How it works

```mermaid theme={null}
sequenceDiagram
    participant Borrower
    participant Lender
    participant Truv
    participant LPA as Freddie Mac LPA

    Lender->>Truv: Create order (VOIE + VOA)
    Truv->>Borrower: Launch Bridge widget
    Borrower->>Truv: Connect payroll & bank accounts
    Truv->>Lender: Webhook: verification complete
    Lender->>Truv: Retrieve Report ID
    Lender->>LPA: Submit loan with Report ID
    LPA->>Truv: Fetch report data (AIM)
    LPA->>Lender: LPA Feedback (AIM assessed)
```

***

## AIM products

Official Freddie Mac resource: [Asset and Income Modeler (AIM)](https://sf.freddiemac.com/tools-learning/technology-tools/our-solutions/aim-asset-income-modeler)

### 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](/developers/integration/document-processing) and submit the report to LPA.

<Note>
  **"Current as of" date:** For LPA, this reflects the pay date of the borrower's last pay statement.
</Note>

***

## Implementation checklist

Use this sequence for a production-ready Freddie Mac flow:

1. Complete your Truv integration using [LOS integrations](/mortgage/integration/los-overview) or [Custom Integration](/mortgage/integration/custom-pos)
2. Collect VOIE, VOA, or AIM Check document income based on the borrower workflow
3. Retrieve the latest report identifier for the product you will submit
4. Submit the current Report ID through Loan Product Advisor
5. Review AIM feedback and confirm the result matches the loan scenario
6. If Truv data is refreshed, resubmit using the newest Report ID

***

## Integrate with Encompass

For [ICE Encompass](/mortgage/integration/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

<Steps>
  <Step title="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.
  </Step>

  <Step title="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.
  </Step>

  <Step title="Check Encompass mapping">
    If you use Encompass, confirm the Freddie Mac Report ID fields are populated correctly before the loan is submitted.
  </Step>

  <Step title="Review AIM outcome">
    Validate LPA feedback for the exact loan scenario and confirm there are no partial-verification issues caused by incomplete borrower connections.
  </Step>
</Steps>

***

## Test in sandbox

For LPA-oriented pre-generated VOIE and VOA report IDs and sample report PDFs, see [GSE Testing](/developers/testing/gse-testing). For the general payroll credential matrix and non-GSE scenarios, see [Income & Employment Testing](/developers/testing/income-employment) and [Assets Testing](/developers/testing/assets).

***

## Next steps

<CardGroup cols={2}>
  <Card title="Day 1 Certainty (D1C)" icon="building-columns" href="/mortgage/d1c-aim/fannie-mae">
    Fannie Mae Desktop Underwriter integration
  </Card>

  <Card title="AIM Check" icon="file-lines" href="/mortgage/products/aim-check">
    Document-based Freddie Mac income workflow
  </Card>

  <Card title="Sample Reports" icon="file-contract" href="/mortgage/testing/sample-reports">
    Shared report retrieval patterns and Encompass mappings
  </Card>

  <Card title="Launch Checklist" icon="list-check" href="/developers/testing/launch-checklist">
    Pre-production mortgage validation
  </Card>
</CardGroup>