> ## 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.

# Overview

> Overview of Fannie Mae Day 1 Certainty and Freddie Mac Asset and Income Modeler with Truv

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.

<CardGroup cols={2}>
  <Card title="Day 1 Certainty (D1C)" icon="building-columns" href="/mortgage/d1c-aim/fannie-mae">
    Fannie Mae Desktop Underwriter integration, vendor setup, Encompass field mapping, and validation flow.
  </Card>

  <Card title="Asset and Income Modeler (AIM)" icon="building-columns" href="/mortgage/d1c-aim/freddie-mac">
    Freddie Mac Loan Product Advisor integration, AIM products, AIM Check API, and validation flow.
  </Card>
</CardGroup>

***

## 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](https://singlefamily.fanniemae.com/applications-technology/desktop-underwriter) with vendor ID **Truv**.
4. Confirm the loan meets D1C criteria via DU Findings.

See the [Day 1 Certainty (D1C)](/mortgage/d1c-aim/fannie-mae) 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.

***

## 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](https://sf.freddiemac.com/tools-learning/technology-tools/our-solutions/aim-asset-income-modeler) with vendor ID **Truv**.
4. Review the AIM feedback and confirm the assessment matches the loan scenario.

See the [Asset and Income Modeler (AIM)](/mortgage/d1c-aim/freddie-mac) 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.

***

## 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.

***

## Next steps

<CardGroup cols={2}>
  <Card title="GSE Testing" icon="flask" href="/developers/testing/gse-testing">
    Sandbox borrower accounts and pre-generated report IDs for DU and LPA validation
  </Card>

  <Card title="Sample Reports" icon="file-contract" href="/mortgage/testing/sample-reports">
    Report retrieval patterns and field mapping references
  </Card>

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

  <Card title="Support" icon="headset" href="mailto:support@truv.com">
    [support@truv.com](mailto:support@truv.com)
  </Card>
</CardGroup>