> ## 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.
# Create and Manage Orders
> Manually order income, employment, and asset verifications using Truv within ICE Encompass
Truv supports five product types for manual ordering in Encompass: **Verification of income (VOI)**, **Verification of employment (VOE)**, **Verification of assets (VOA)**, **Deposit-based verification of employment (DVOE)**, or **Verification of income and assets (VOI + VOA)** in one order. The workflow is the same for all product types, with differences noted where they apply.
***
## Create an Order
**Step 1:** Open the loan file and select Truv in Order Verifications.
* Select **Order** under **Verifications**. Choose **Truv - Verification of Income/Employment/Assets** and select **Next**.
* Ensure the first name, last name, email address and/or phone number have been added for each borrower.
* If requesting specific employers or financial institutions to be verified, ensure those are added into the **Employer or Business Name** or **Financial Institution** fields in the corresponding sections of the 1003 URLA.
**Step 2:** On the **New Order** tab, review and edit any order details prior to sending the order.
The **New Order** tab contains the following fields:
| Field | Description |
| ------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Name** | Borrower and Co-Borrower's name from the loan file. |
| **Email** | Borrower and Co-Borrower's email address from the loan file. They will receive the Truv order to this inbox. |
| **Phone number** *(Optional)* | Borrower and Co-Borrower's phone number from the loan file. They will receive the Truv order via SMS to this number. Can be disabled for specific orders. |
| **Status updates** | Optional. Additional email addresses (e.g. loan officer, processor) to receive order status update emails from Truv. |
| **Product type** | The type of verification to order. For each product type included in the order, up to 5 accounts can be requested and connected by the borrower. • **Verification of income** — Provides an income and employment verification report, paystubs, W-2s, and a GSE Report ID. • **Verification of income and assets** — Provides both an income/employment verification report and an assets report with account details, historical balances, and GSE Report IDs. • **Verification of employment** — Provides an employment verification report and a GSE Report ID. • **Verification of assets** — Provides an assets report with account details, ownership, historical balances, transaction history, and a GSE Report ID. • **Deposit-based verification of employment** — Provides a DVOE report with account details, ownership, list of deposit transactions without amounts, and a GSE Report ID. |
| **Template** *(Optional)* | Select a Truv template to apply custom branding or notification settings to this order. |
| **Employers / Accounts** *(Optional)* | Checkboxes to select which employers or financial institutions to include in the order. Populated from the 1003 URLA. |
| **Days requested** *(Assets only)* | Number of days of account history to include in the VOA report. Default: 60 days. Range: 30–730 days. |
| **Large deposits** *(Assets only)* | Threshold amount for flagging large deposits. Deposits at or above this amount appear in a separate section of the VOA report. |
Including a borrower's email and phone number results in higher completion rates. Confirm borrower consent before adding their contact details.
**Step 3:** Select **Create orders** to send the selected orders to the borrowers using the email and phone number provided.
* You will be redirected to the **Order statuses** tab where you can review and manage all orders placed on this loan file.
* Check the **Status** column to see the connection status of each account in the order. Clicking on an order row will open a sidebar with more order details and an order timeline.
Each order displays a status reflecting its current state:
| Status | Description |
| ------------- | ---------------------------------------------------------------------------------------------------------------- |
| **Pending** | The order has been created and Truv is preparing to send the verification request to the borrower. |
| **Sent** | The verification link has been delivered to the borrower via email and/or SMS. Awaiting borrower action. |
| **Completed** | The borrower has completed verification and the report is available in the eFolder. |
| **Error** | There was an issue delivering the notification to the borrower. Check contact information and reorder if needed. |
| **Canceled** | The order was manually canceled before the borrower completed verification. |
| **Expired** | The verification link expired before the borrower completed verification. A new order may be required. |
| **Skipped** | The borrower opened the verification link but skipped without completing verification. |
| **No data** | The connected payroll provider or financial institution returned no accessible data for this borrower. |
### Customize Requested Employers or Accounts
By default, the **Employers / Accounts** column is populated from the borrower's 1003 URLA. You can add employers or financial institutions beyond what is listed in the 1003 — no form update required.
* For **VOIE and VOE** orders, an **+ Add employer** button appears under the Employers column.
* For **VOA** orders, an **+ Add account** button appears under the Account column.
Click **+ Add employer** or **+ Add account** to open a search dialog. Type the employer or financial institution name and select it from the results. Each result shows a **Success rate** indicator reflecting how frequently that institution returns data.
The selected employer or account is added to the list. Use the checkboxes to include or exclude specific accounts from the order before sending.
Once you select **Create orders**, each checked account appears as its own row in the **Order statuses** tab.
***
## Create a Refresh Data Order
As the loan nears closing, lenders can refresh previously connected data and select specific accounts or product types. Truv will attempt to use the existing connection to refresh data without notifying the borrower. If borrower re-authentication is needed, for example in cases where credentials have changed or MFA is present, Truv will send a re-authentication request to the borrower using Email / Phone numbers and notify the lender that the request was sent.
**Step 1:** Select the loan file and open Truv. On the **Order statuses** tab, find the order with accounts you want to refresh. Then click the three dots in the **Actions** column and select the **Refresh data** button.
**Step 2:** Set the refresh order details in the pop-up.
The options available for refresh depend on the product type selected, see below for refresh options on a Verification of assets and Verification of income initial order.
* **Product type**: Choose **Verification of assets (VOA)** for a full report with account summaries, large deposits, and transactions, or **Deposit-based VOE (DVOE)** for a simplified report with deposit transactions only, without balances.
* **Accounts**: Select which financial institutions to include from the borrower or co-borrower's connected accounts.
* **Days requested**: Number of days of account history to include (default: 30 days).
* **Verification of employment (VOE)** — refreshes employment data only, used for 10-day PCV.
* **Verification of income (VOI)** — refreshes the full income and employment report.
* **VOE and most recent paystub** — refreshes employment verification and retrieves the borrower's most recent paystub.
**Step 3:** Once the refresh order is created, a new order row will appear in the Order statuses tab with the requested data with Refresh pending status.
* A new order row will appear with Refresh pending status.
* Truv will attempt to refresh the data without any borrower action by using the existing provided credentials. If this refresh fails, a request to re-authenticate will be emailed to the borrower, similar to the new order workflow.
* Once the order is complete, the Status updates recipients will receive a status update email and the new report will be uploaded to the eFolder.
***
## Accessing Completed Orders and Reports
Once an order is complete (initial or refresh) the below happens:
* The loan team email addresses in the **Status updates** column will receive an email saying the order is complete.
* All returned documents (paystubs, W-2s, Truv Reports, etc.) will be uploaded to the **Verifications** eFolder.
* The Truv Report IDs will be added to the corresponding GSE Vendor fields in the loan file.
The loan team can either retrieve needed documents from the eFolder or directly from the order row through the **Download report** and **Download invoice** buttons. Paystubs and W-2s must be downloaded from the eFolder.
***
## GSE Submissions
A new Report ID is generated on every verification and overwrites the previous entry. If the Report ID is not auto-populated, copy the Report ID from the Truv Report and paste it into the corresponding field using the format specified below.
When a lender runs AUS (DU / LP), the GSE will automatically request the report data from Truv that matches the Report ID entered into the field. These providers automatically cache each report data set retrieved, so if different reports are run, they will have access to this data even if the Report ID is removed from the field.
**Income and Employment**
| GSE | Field | Format |
| ------------------------ | --------------- | --------------------------------------------- |
| Fannie Mae / Freddie Mac | `GSEVENDOR.X50` | `{borrower_report_id},{coborrower_report_id}` |
**Assets**
| GSE | Borrower Field | Co-Borrower Field | Format |
| ----------- | --------------- | ----------------- | ---------------- |
| Fannie Mae | `GSEVENDOR.X37` | `GSEVENDOR.X38` | `Truv:report_id` |
| Freddie Mac | `GSEVENDOR.X43` | `GSEVENDOR.X44` | `TRUV:report_id` |
The Report ID in the asset fields must include the correct case-sensitive Truv prefix: `Truv:` for Fannie Mae (`GSEVENDOR.X37`/`X38`) and `TRUV:` for Freddie Mac (`GSEVENDOR.X43`/`X44`).
***
## Additional Actions
On the **Order statuses** tab there are additional actions available for completed orders that are summarized below.
### See Order Details
Applies to all product types. Clicking on an order row in the **Order statuses** tab opens a details sidebar showing:
* Borrower and co-borrower names
* Product type and order date
* Individual employer or institution statuses
* Timeline of order events and status changes
* Links to download the generated report
### Generate New Report
For **VOA** orders, lenders can generate a new report from existing connected account data — no borrower action required and at no additional charge. Available within 30 days of the initial report.
For **VOIE** orders, lenders can generate an on-demand VOE report from a completed VOIE order for 10-day pre-closing verification — no borrower reconnection required. The VOE report receives its own GSE Report ID.
Click **...** on a completed order row and select **Generate new report**. In the pop-up, select the accounts to include and set the **Days requested** for account history (default: 30 days, counted from when data was originally pulled). Click **Continue** — the order shows a **Pending generation** status until the new report is uploaded to the eFolder.
### Update Loan Data
Applies to VOI, VOE, and VOA orders. Allows lenders to compare Truv verification data against the 1003 URLA field-by-field and selectively overwrite Encompass loan fields with Truv data. The button displays the number of mismatched fields. Available for orders completed within the last 30 days. Contact your Truv Customer Success Manager to enable this feature.
Click **...** on a completed order row and select **Update loan data**. A comparison table opens showing Truv data alongside current loan file values. Select the fields or employers you want to overwrite and click **Overwrite selected data**.
* **Income / Employment**: Matches by employer name. If no match is found, a new employment entry is created in the loan file.
* **Assets**: Matches by account number. Only updates accounts that Truv originally created — manual or third-party entries are not affected.
Due to a limitation in Encompass, Truv can only update asset data entries it has created. If asset data was entered manually or by another provider, Truv will be unable to update it.
The following fields can be written back to the 1003 URLA:
| Verification of Income | Verification of Employment | Verification of Assets |
| ----------------------------------- | --------------------------- | ------------------------------------- |
| Employer Name (FE0102) | Employer Name (FE0102) | Name / Financial Institution (DD0102) |
| Street Address (FE0160) | Street Address (FE0160) | (1) Account Type (DD0108) |
| City (FE0105) | City (FE0105) | (1) Account In Name Of (DD0109) |
| State (FE0106) | State (FE0106) | (1) Account Number (DD0110) |
| Zip Code (FE0107) | Zip Code (FE0107) | (1) Cash or Market Value (DD0148) |
| Phone (FE0117) | Phone (FE0117) | (2) Account Type (DD0112) |
| Country (FE0179) | Country (FE0179) | (2) Account In Name Of (DD0113) |
| Position/Title (FE0110) | Position/Title (FE0110) | (2) Account Number (DD0114) |
| Current Employment (FE0109) | Current Employment (FE0109) | (2) Cash or Market Value (DD0149) |
| Date Hired (FE0151) | Date Hired (FE0151) | (3) Account Type (DD0116) |
| Date Terminated (FE0114) | Date Terminated (FE0114) | (3) Account In Name Of (DD0117) |
| Years In This Job (FE0013) | Years In This Job (FE0013) | (3) Account Number (DD0118) |
| Months In This Job (FE0033) | Months In This Job (FE0033) | (3) Cash or Market Value (DD0150) |
| Base Pay (FE0119) | — | (4) Account Type (DD0120) |
| Overtime (FE0120) | — | (4) Account In Name Of (DD0121) |
| Bonus (FE0121) | — | (4) Account Number (DD0122) |
| Commissions (FE0122) | — | (4) Cash or Market Value (DD0151) |
| Military Entitlements (FE0153) | — | — |
| Other (FE0123) | — | — |
| Total Gross Monthly Income (FE0112) | — | — |
| Seasonal Income (FE0176) | — | — |
### Latest Invoice
Applies to all product types. Once an order is complete, a **Download latest invoice** button becomes available in the order's action menu. The invoice itemizes the costs for Truv services used on that order. Allow approximately 1 minute after order completion for the invoice to generate.
Invoices can be automatically routed to a specific eFolder location by configuring document mapping in the Truv Encompass admin settings.
### Additional Paystubs
Applies to VOIE orders only. Allows lenders to access and download specific historical paystubs directly within the Truv interface — beyond the default number included in the initial report. No borrower contact required; Truv pulls from data already collected during the initial connection. Truv can typically access over two years of paystub history. Contact your Truv Customer Success Manager to enable this feature.
By default, Truv uploads paystubs and W-2s according to the settings in the Template used for the order. These defaults can be modified in the Truv Dashboard under **Customization > Templates**.
For completed VOIE orders, if additional paystubs have been retrieved but not yet uploaded to Encompass, a **Download additional paystubs** option appears in the **Actions** menu. Click it to view the full list of available paystubs organized by year, showing pay date, period, net pay, gross pay, and a **See paystub** link to preview each file. Select the paystubs needed and click **Download paystubs** — files upload directly to the Encompass eFolder, respecting any configured eFolder mapping for paystubs.
***
## Loan Officer and Processor Experience
### Encompass SmartClient
### Encompass Web / LO Connect
***
## Next steps
Templates, eFolder mapping, and notification settings
[support@truv.com](mailto:support@truv.com)
**Step 2:** On the **New Order** tab, review and edit any order details prior to sending the order.
The **New Order** tab contains the following fields:
| Field | Description |
| ------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Name** | Borrower and Co-Borrower's name from the loan file. |
| **Email** | Borrower and Co-Borrower's email address from the loan file. They will receive the Truv order to this inbox. |
| **Phone number** *(Optional)* | Borrower and Co-Borrower's phone number from the loan file. They will receive the Truv order via SMS to this number. Can be disabled for specific orders. |
| **Status updates** | Optional. Additional email addresses (e.g. loan officer, processor) to receive order status update emails from Truv. |
| **Product type** | The type of verification to order. For each product type included in the order, up to 5 accounts can be requested and connected by the borrower.
Each order displays a status reflecting its current state:
| Status | Description |
| ------------- | ---------------------------------------------------------------------------------------------------------------- |
| **Pending** | The order has been created and Truv is preparing to send the verification request to the borrower. |
| **Sent** | The verification link has been delivered to the borrower via email and/or SMS. Awaiting borrower action. |
| **Completed** | The borrower has completed verification and the report is available in the eFolder. |
| **Error** | There was an issue delivering the notification to the borrower. Check contact information and reorder if needed. |
| **Canceled** | The order was manually canceled before the borrower completed verification. |
| **Expired** | The verification link expired before the borrower completed verification. A new order may be required. |
| **Skipped** | The borrower opened the verification link but skipped without completing verification. |
| **No data** | The connected payroll provider or financial institution returned no accessible data for this borrower. |
### Customize Requested Employers or Accounts
By default, the **Employers / Accounts** column is populated from the borrower's 1003 URLA. You can add employers or financial institutions beyond what is listed in the 1003 — no form update required.
* For **VOIE and VOE** orders, an **+ Add employer** button appears under the Employers column.
* For **VOA** orders, an **+ Add account** button appears under the Account column.
Click **+ Add employer** or **+ Add account** to open a search dialog. Type the employer or financial institution name and select it from the results. Each result shows a **Success rate** indicator reflecting how frequently that institution returns data.
The selected employer or account is added to the list. Use the checkboxes to include or exclude specific accounts from the order before sending.
Once you select **Create orders**, each checked account appears as its own row in the **Order statuses** tab.
***
## Create a Refresh Data Order
As the loan nears closing, lenders can refresh previously connected data and select specific accounts or product types. Truv will attempt to use the existing connection to refresh data without notifying the borrower. If borrower re-authentication is needed, for example in cases where credentials have changed or MFA is present, Truv will send a re-authentication request to the borrower using Email / Phone numbers and notify the lender that the request was sent.
**Step 1:** Select the loan file and open Truv. On the **Order statuses** tab, find the order with accounts you want to refresh. Then click the three dots in the **Actions** column and select the **Refresh data** button.
**Step 2:** Set the refresh order details in the pop-up.
The options available for refresh depend on the product type selected, see below for refresh options on a Verification of assets and Verification of income initial order.
* **Product type**: Choose **Verification of assets (VOA)** for a full report with account summaries, large deposits, and transactions, or **Deposit-based VOE (DVOE)** for a simplified report with deposit transactions only, without balances.
* **Accounts**: Select which financial institutions to include from the borrower or co-borrower's connected accounts.
* **Days requested**: Number of days of account history to include (default: 30 days).
* **Verification of employment (VOE)** — refreshes employment data only, used for 10-day PCV.
* **Verification of income (VOI)** — refreshes the full income and employment report.
* **VOE and most recent paystub** — refreshes employment verification and retrieves the borrower's most recent paystub.
**Step 3:** Once the refresh order is created, a new order row will appear in the Order statuses tab with the requested data with Refresh pending status.
* A new order row will appear with Refresh pending status.
* Truv will attempt to refresh the data without any borrower action by using the existing provided credentials. If this refresh fails, a request to re-authenticate will be emailed to the borrower, similar to the new order workflow.
* Once the order is complete, the Status updates recipients will receive a status update email and the new report will be uploaded to the eFolder.
***
## Accessing Completed Orders and Reports
Once an order is complete (initial or refresh) the below happens:
* The loan team email addresses in the **Status updates** column will receive an email saying the order is complete.
* All returned documents (paystubs, W-2s, Truv Reports, etc.) will be uploaded to the **Verifications** eFolder.
* The Truv Report IDs will be added to the corresponding GSE Vendor fields in the loan file.
The loan team can either retrieve needed documents from the eFolder or directly from the order row through the **Download report** and **Download invoice** buttons. Paystubs and W-2s must be downloaded from the eFolder.
***
## GSE Submissions
A new Report ID is generated on every verification and overwrites the previous entry. If the Report ID is not auto-populated, copy the Report ID from the Truv Report and paste it into the corresponding field using the format specified below.
When a lender runs AUS (DU / LP), the GSE will automatically request the report data from Truv that matches the Report ID entered into the field. These providers automatically cache each report data set retrieved, so if different reports are run, they will have access to this data even if the Report ID is removed from the field.
**Income and Employment**
| GSE | Field | Format |
| ------------------------ | --------------- | --------------------------------------------- |
| Fannie Mae / Freddie Mac | `GSEVENDOR.X50` | `{borrower_report_id},{coborrower_report_id}` |
**Assets**
| GSE | Borrower Field | Co-Borrower Field | Format |
| ----------- | --------------- | ----------------- | ---------------- |
| Fannie Mae | `GSEVENDOR.X37` | `GSEVENDOR.X38` | `Truv:report_id` |
| Freddie Mac | `GSEVENDOR.X43` | `GSEVENDOR.X44` | `TRUV:report_id` |
***
## Additional Actions
On the **Order statuses** tab there are additional actions available for completed orders that are summarized below.
### See Order Details
Applies to all product types. Clicking on an order row in the **Order statuses** tab opens a details sidebar showing:
* Borrower and co-borrower names
* Product type and order date
* Individual employer or institution statuses
* Timeline of order events and status changes
* Links to download the generated report
### Generate New Report
For **VOA** orders, lenders can generate a new report from existing connected account data — no borrower action required and at no additional charge. Available within 30 days of the initial report.
For **VOIE** orders, lenders can generate an on-demand VOE report from a completed VOIE order for 10-day pre-closing verification — no borrower reconnection required. The VOE report receives its own GSE Report ID.
Click **...** on a completed order row and select **Generate new report**. In the pop-up, select the accounts to include and set the **Days requested** for account history (default: 30 days, counted from when data was originally pulled). Click **Continue** — the order shows a **Pending generation** status until the new report is uploaded to the eFolder.
### Update Loan Data
Applies to VOI, VOE, and VOA orders. Allows lenders to compare Truv verification data against the 1003 URLA field-by-field and selectively overwrite Encompass loan fields with Truv data. The button displays the number of mismatched fields. Available for orders completed within the last 30 days. Contact your Truv Customer Success Manager to enable this feature.
Click **...** on a completed order row and select **Update loan data**. A comparison table opens showing Truv data alongside current loan file values. Select the fields or employers you want to overwrite and click **Overwrite selected data**.
* **Income / Employment**: Matches by employer name. If no match is found, a new employment entry is created in the loan file.
* **Assets**: Matches by account number. Only updates accounts that Truv originally created — manual or third-party entries are not affected.
### Latest Invoice
Applies to all product types. Once an order is complete, a **Download latest invoice** button becomes available in the order's action menu. The invoice itemizes the costs for Truv services used on that order. Allow approximately 1 minute after order completion for the invoice to generate.
Invoices can be automatically routed to a specific eFolder location by configuring document mapping in the Truv Encompass admin settings.
### Additional Paystubs
Applies to VOIE orders only. Allows lenders to access and download specific historical paystubs directly within the Truv interface — beyond the default number included in the initial report. No borrower contact required; Truv pulls from data already collected during the initial connection. Truv can typically access over two years of paystub history. Contact your Truv Customer Success Manager to enable this feature.
By default, Truv uploads paystubs and W-2s according to the settings in the Template used for the order. These defaults can be modified in the Truv Dashboard under **Customization > Templates**.
For completed VOIE orders, if additional paystubs have been retrieved but not yet uploaded to Encompass, a **Download additional paystubs** option appears in the **Actions** menu. Click it to view the full list of available paystubs organized by year, showing pay date, period, net pay, gross pay, and a **See paystub** link to preview each file. Select the paystubs needed and click **Download paystubs** — files upload directly to the Encompass eFolder, respecting any configured eFolder mapping for paystubs.
***
## Loan Officer and Processor Experience
### Encompass SmartClient
### Encompass Web / LO Connect
***
## Next steps