Key Benefits
- Improved Loan Quality — Real-time data and rule-based logic identify issues early
- Faster Closings — Parallel processing enables instant verifications
- Streamlined Borrower Experience — One-time payroll account connection with automatic paystub and W-2 delivery
- Reliable Partnership — Modern, intuitive workflow without added complexity
- Reduced Costs — Save 60–80% on verification expenses with automated workflows
- Future-Ready Integration — Supports Day 1 Certainty® and AIM via API-first architecture
How it works
1
Application submission
The operations team initiates the loan application through the Vesta UI.
2
Request verification
Navigate to the Income section, click Actions → Order Income Verification, and select Truv from the provider list.
3
Borrower notification
Borrowers receive email and SMS notifications. Customization is handled via Truv Dashboard Templates.
4
Automated data retrieval
Truv retrieves income and employment data and automatically populates it in Vesta.
Enabling the Integration
- API Credentials — Obtain Truv sandbox and production API keys from the Truv Dashboard
- Verification Provider — Enable Truv as a verification provider within Vesta’s admin settings
- User Permissions — Ensure correct user permissions for placing orders and viewing results
- Template Alignment — Coordinate template configuration for branding, document preferences, and fallback rules
Order a Verification
- Open the loan application in the Vesta Pipeline
- Ensure the borrower’s email and phone number are on file
- Navigate to the Incomes section
- Click Actions → Order Income Verification
- Select Truv as the provider and Credentials as the service option
- Check the employment records to verify
- Click Place Order — the borrower automatically receives an email and SMS to connect their payroll account via Truv Bridge
Retrieve Reports and Documents
- Access the Completed Verifications section after Truv completes the verification
- View verification details in the loan application
- Download verification reports with detailed income and employment information
- Attach reports directly to the loan application for underwriting access
Borrower Workflow
When verification is triggered, the borrower receives a secure link to connect their payroll or financial account. They authenticate via credentials or one-time passcode, and Truv delivers a structured report with attachments for lender review.Launch with Truv in Vesta
1
Contact Customer Success
Reach out to your Truv Customer Success team and Vesta technical contact to initiate setup.
2
Enable Truv as a verification provider
Activate Truv in your Vesta instance under verification provider settings.
3
Customize templates
Configure Truv Dashboard templates to align with your branding and GSE requirements.
4
Test in Sandbox
Test using simulated data to validate the end-to-end flow before going live.
5
Go live
Transition to production credentials after validation. Reference the detailed step-by-step launch checklist for integrated LOS systems.
Next steps
LOS Integrations
View all LOS integration options
Sandbox Testing
Test your integration in sandbox