Skip to main content
Income Analysis via Documents lets Truv run Freddie Mac’s AIM Check income assessment directly from borrower-uploaded W-2 and pay stub documents in an Encompass eFolder, no payroll connection required. Drop a qualifying document into a designated eFolder and Truv automatically parses it, generates the AIM Check report, and returns it to your loan file. For more information on Freddie Mac AIM Check, see the Freddie Mac AIM4IUED Tutorial.
This is a document-driven alternative to AIM Check via ASO, which requires a fulfilled VOIE order first. Income Analysis via Documents runs directly off borrower-uploaded documents and doesn’t require a payroll connection at all.

​
Before You Start

  • Truv must already be set up as a verification service in Encompass Services Management.
  • You’ll need a designated Source eFolder (existing or new) where borrower income documents (W-2s, pay stubs, etc.) will be attached. Use whatever folder you already use for these documents, or create a dedicated one. This guide uses “Truv Document Folder” as the example.
  • You’ll need a Return eFolder, configured via Document Mapping (Step 2 below), for the AIM Check PDF report Truv sends back.
  • At least one W-2 and at least one pay stub must be attached to the Source eFolder for Truv to run the analysis. Both document types are required. An upload with only one type won’t trigger a completed report.

​
Setup Guide

1

Confirm Truv Is Set Up for Automated Ordering

Navigate to the Encompass admin portal and go to Services > Services Management.Services ManagementClick Add Service and select Verifications as the category.Add Service category pickerSearch for Truv. You’ll see the Truv Verification of Income/Employment/Assets product with Manual, Easy Order, and Automated options. Select Automated.Truv search results
In a test/UAT instance you’ll see a “UAT” or “UAT/Staging” version of Truv. In production you’ll see the standard (non-UAT) version.
2

Configure the Return eFolder (Document Mapping)

From Services Management, click the three dots on the Truv service card and select Document Mapping.Services Management, Document Mapping menuOn the Inbound (from provider to Encompass) tab, find (or add) the aim_check_report document type and map it to whichever eFolder Document Folder you want the AIM Check PDF delivered to (here, “Income Analysis Report”).Document Mapping, aim_check_report to Income Analysis Report
By default, any document type without an explicit mapping lands in the Verifications folder. Confirm aim_check_report is explicitly mapped here if you want the AIM Check report delivered somewhere else.
3

Create the Automated Ordering Template

Selecting Automated in Step 1 takes you to Automated Ordering Templates. Click Add to create a new template.Automated Ordering Templates listConfigure the rule:Edit Verifications Rule overviewAdd a Service Order with:Edit Service OrderUnder Automated Options, click Add to create a new automated option (or select an existing one if it’s already configured for this template). This opens the Edit an automated option panel, which also shows Encompass’s own explanation of the end-to-end flow:Edit an automated option, How it worksSet the Automated option name (e.g. “OCR”) and Product type to Income Analysis via Documents, then save.Automated option name and product typeBack on the Edit Service Order screen, select the option you just created (or the existing one, here “Income Analysis via Documents”), save the service order, then set the template to Active.Automated Options selected
4

Create the Workflow Rule

Navigate to Workflow Management > Workflow Rules and click New Rule.Workflow Rules listOn the Triggering Event tab:Workflow Rule, Triggering EventOn the Conditions tab, confirm the same document folder appears under Required Document Folders with Required Attachment set to Yes.Workflow Rule, ConditionsOn the Result tab, set the Resulting action to Order Service, then under Select Service Rule, choose the ordering template you created in Step 3.Workflow Rule, ResultSet the Workflow Rule to Active to complete setup.
Once both the ordering template and workflow rule are active, any file attached to the designated folder automatically triggers a Truv income analysis order at the Application evaluation level. No manual intervention required.

​
How It Works

  1. When triggered, the documents in the configured Source eFolder are passed to Truv, which parses the pay stub and W-2 documents found there. At least one of each document type is required.
  2. Upon completion, Truv generates the AIM Check report, returns it to the configured Return eFolder, and writes the Report ID to the corresponding Freddie Mac fields (GSEVENDOR.X43/X44) for applicable borrowers.
Truv doesn’t pick the destination folder directly. Encompass files the returned PDF according to your Inbound Document Mapping, keyed on the document type Truv declares on the file it returns (aim_check_report), which is what you configured in Step 2 above.

​
Good to Know

  • Missing borrowers are silent, not errors. Truv only processes borrowers/co-borrowers with a first name, last name, and SSN present. A co-borrower with no documents in the folder simply gets no report. That’s expected behavior, not a failure to flag.
  • A returned PDF doesn’t guarantee eligibility. If employment data wasn’t present in the submission, Freddie’s AIM engine can still return a report. It just prints “employment not submitted” and marks the borrower ineligible on the PDF itself. Don’t treat a returned PDF as proof the income assessment succeeded.
  • Source documents aren’t cleaned up. Truv currently leaves the original W-2/pay stub files in the Source folder after processing. eFolder cleanup by partners is currently not available from ICE.

​
Next steps

AIM Check via ASO

The payroll-connection alternative: AIM Check triggered by a fulfilled VOIE order

Automated Service Ordering (ASO)

Set up initial and refresh ASO rules in Encompass

Customization

Templates, eFolder mapping, and notification settings

Contact Support

support@truv.com