> ## 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.

# Dark Matter Empower Integration

> Income and employment verification within the Empower® Loan Origination Platform by Dark Matter Technologies

The Empower® Loan Origination Platform integrates with Truv for fast, efficient income and employment verifications, keeping the entire verification process within the loan origination platform.

***

## Key Benefits

* **Real-time Verification of Income and Employment** — Receive accurate reports in seconds from application through closing, with re-verification capability
* **On-demand Payroll Documents** — Automatically retrieve paystubs and W-2s, eliminating manual borrower submission
* **Cost Savings** — Save 60–80% on verification costs, including \$0 re-verifications
* **Day 1 Certainty®** — Use Truv with Fannie Mae's Desktop Underwriter® (DU®) for representations and warranties relief

***

## How it works

<Steps>
  <Step title="Automated verification">
    Select Truv as the Exchange Verification provider within Empower. Choose between **initial VOIE** or **VOE-only re-verification**.
  </Step>

  <Step title="Borrower connects payroll">
    The borrower connects their payroll account through Truv Bridge — selecting their employer, authenticating, and securely connecting.
  </Step>

  <Step title="Real-time document retrieval">
    Truv automatically pulls paystubs and W-2s and generates VOI/VOE reports, available in real-time in the Empower® Document Repository.
  </Step>

  <Step title="Loan process continues in Empower">
    The entire verification process, from application to closing, completes within the Empower platform.
  </Step>
</Steps>

***

## Enabling the Integration

1. Contact your Empower® account representative to enable Truv integration in your Empower instance.
2. White-label the borrower experience via the Truv Dashboard under **Customization → Templates**.
3. Configure your Party ID in the Truv Dashboard:
   * Obtain your Party ID from Empower®
   * Log into the [Truv Dashboard](https://dashboard.truv.com)
   * Navigate to **Platform Keys**
   * Select the **DMT Empower®** integration
   * Enter your Party ID and save

***

## Order Verifications

1. Go to **Exchange Verifications** in the loan file and click **Begin a New Order (Service Request)**
2. Select **Truv** as the verification provider
3. Choose the verification product: **VOE/VOI** for origination, or **VOE only** for re-verification (10-day PCV)
4. Enter the borrower's full name, email, and phone number, along with loan officer details
5. Click **Validate Submission Data**, then **Submit Request**
6. The borrower receives an SMS and email to connect their payroll account through Truv

***

## Retrieve Reports and Documents

Once the order is complete, navigate to the **Document Repository** in Empower to view:

* VOI/VOE reports
* W-2s
* Paystubs

All documents are available directly within the Empower platform — no system switching required.

***

## Day 1 Certainty® and AIM

Truv's reports support Fannie Mae Day 1 Certainty® via DU® and Freddie Mac AIM.

1. Contact your Empower® account representative to enable Day 1 Certainty® and AIM in your Empower instance
2. Ensure the integration uses Truv with Fannie Mae's DU Validation Service and Freddie Mac's AIM, and update the **Verification Providers Display Value** to **Truv**
3. After completing verification, the Truv report includes a Reference ID for submission to Fannie Mae or Freddie Mac, which auto-populates in the appropriate Empower fields

***

## Next steps

<CardGroup cols={2}>
  <Card title="LOS Integrations" icon="grid-2" href="/mortgage/integration/los-overview">
    View all LOS integration options
  </Card>

  <Card title="Sandbox Testing" icon="flask" href="/developers/testing/test-credentials">
    Test your integration in sandbox
  </Card>

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