Overview

Truv’s Income & Employment and Asset reports are certified by Fannie Mae and Freddie Mac. The same Truv report IDs are accepted by both GSEs — Fannie Mae’s Desktop Underwriter (DU) for Day 1 Certainty and Freddie Mac’s Loan Product Advisor (LPA) for AIM.

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Day 1 Certainty (Fannie Mae)

Day 1 Certainty 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
• Faster loan processing and confidence in data accuracy

To qualify for D1C with Truv:

1. Use Truv’s VOIE and VOA reports for income, employment, and assets.
2. Retrieve the voie_report_id and voa_report_id from the order or user reports endpoint — Truv automatically generates them in GSE-compatible format.
3. Submit the IDs through Desktop Underwriter with vendor ID Truv.
4. Confirm the loan meets D1C criteria via DU Findings.

See the Day 1 Certainty (D1C) page for the full implementation walkthrough, including the borrower → lender → Truv → DU sequence, Encompass field mapping (GSEVENDOR.X50 for VOIE, GSEVENDOR.X37 / GSEVENDOR.X38 for VOA), and the per-step validation checklist.

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Asset and Income Modeler (Freddie Mac)

Truv is an AIM service provider for Freddie Mac’s Loan Product Advisor. Truv supports three AIM product paths:

• AIM for income and employment — automated income assessment via Truv’s VOIE report.
• AIM for assets — automated asset assessment from connected bank accounts via Truv’s VOA report.
• AIM Check (document income) — instant paystub and W-2 assessment for borrowers without a direct payroll connection, via Truv Document Processing.

To use AIM with Truv:

1. Collect the relevant verification — VOIE, VOA, or AIM Check document income — based on the borrower workflow.
2. Retrieve the report identifier for the product being submitted.
3. Submit through Loan Product Advisor with vendor ID Truv.
4. Review the AIM feedback and confirm the assessment matches the loan scenario.

See the Asset and Income Modeler (AIM) page for the full implementation walkthrough, including the borrower → lender → Truv → LPA sequence, Encompass field mapping (GSEVENDOR.X43 / GSEVENDOR.X44 for VOA), and validation checklist.

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Submission patterns shared across both GSEs

• The same voie_report_id is accepted by both DU and LPA. There is no separate Freddie-specific VOIE identifier — freddie_voie_report_id exists as a legacy field but is not the LPA submission key.
• Truv’s vendor ID is Truv in both DU and LPA.
• Refreshed Truv data always produces a new report ID. Replace the older ID before resubmission.
• “Current as of” date semantics differ: DU reflects the end of the pay period from the borrower’s last pay statement; LPA reflects the pay date.

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Next steps