> ## 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.

# Home Lending

> Income, employment, asset, and document-based income verification for mortgage origination

Truv helps mortgage lenders verify borrower income, employment, assets, and document-based income instantly, reducing loan processing time from days to minutes.

<CardGroup cols={2}>
  <Card title="GSE Certified" icon="certificate">
    Fannie Mae & Freddie Mac approved for Income & Employment
  </Card>

  <Card title="48-72 hours faster" icon="clock">
    Reduce verification time from days to minutes
  </Card>

  <Card title="LOS/POS Integration" icon="plug">
    Direct integration with Encompass, nCino, and more
  </Card>

  <Card title="Day 1 Certainty" icon="check-circle">
    Meet DU and LP requirements
  </Card>
</CardGroup>

***

## What you can verify

<CardGroup cols={2}>
  <Card title="Income & Employment" icon="money-bill-trend-up" href="/mortgage/products/income-employment">
    **GSE Certified**

    * Current income and pay frequency
    * YTD earnings
    * Employment status and start date
    * Employer information
  </Card>

  <Card title="Assets" icon="piggy-bank" href="/mortgage/products/assets">
    * Bank account balances
    * Account ownership verification
    * Transaction history
    * Large deposit identification
  </Card>

  <Card title="AIM Check" icon="file-lines" href="/mortgage/products/aim-check">
    **Freddie Mac document income**

    * Pay stub and W-2 digitization
    * Document-based income calculation
    * Fallback when payroll connection is unavailable
    * Structured income data for LPA workflows
  </Card>
</CardGroup>

***

## Integration options

### Option 1: Platform Integrations (No Code)

<img src="https://mintcdn.com/truv/EPZ3fgmRiGhZ9lyi/images/mortgage-integrations.png?fit=max&auto=format&n=EPZ3fgmRiGhZ9lyi&q=85&s=7ef741c9d6bf47152134f5a4e59afb7a" alt="Mortgage integrations" width="1800" height="1100" data-path="images/mortgage-integrations.png" />

If you use a Loan Origination System (LOS) or Point of Sale (POS) system, you can integrate Truv with no code required.

<CardGroup cols={2}>
  <Card title="ICE Encompass" img="https://mintcdn.com/truv/11DFNeTkCibl0kdT/images/logo-encompass.png?fit=max&auto=format&n=11DFNeTkCibl0kdT&q=85&s=040986b4e89778f9341fb00755654e16" href="/mortgage/integration/ice-encompass" width="656" height="350" data-path="images/logo-encompass.png">
    Direct integration with Encompass eFolder
  </Card>

  <Card title="nCino SimpleNexus" img="https://mintcdn.com/truv/11DFNeTkCibl0kdT/images/logo-ncino.png?fit=max&auto=format&n=11DFNeTkCibl0kdT&q=85&s=85ed4908c1d1831dd09ba15af0e9d7ae" href="/mortgage/integration/simplenexus" width="656" height="350" data-path="images/logo-ncino.png">
    Embedded in borrower experience
  </Card>

  <Card title="TidalWave" img="https://mintcdn.com/truv/0TgoZQ7ioV3qMvul/images/logo-tidalwave.png?fit=max&auto=format&n=0TgoZQ7ioV3qMvul&q=85&s=9f0fb6c40d5cf94bc445fd76f69630c1" href="/mortgage/integration/tidalwave" width="656" height="350" data-path="images/logo-tidalwave.png">
    POS integration
  </Card>

  <Card title="More Platforms" img="https://mintcdn.com/truv/11DFNeTkCibl0kdT/images/logo-other.png?fit=max&auto=format&n=11DFNeTkCibl0kdT&q=85&s=2a6bfb0cfa7fe0464d5a1f4c6f0d66ee" href="/mortgage/integration/los-overview" width="656" height="350" data-path="images/logo-other.png">
    Blue Sage, BeSmartee, Lodasoft, and others
  </Card>
</CardGroup>

### Option 2: Embedded Orders (Custom Integration)

<img src="https://mintcdn.com/truv/EPZ3fgmRiGhZ9lyi/images/embedded-order-mortgage.png?fit=max&auto=format&n=EPZ3fgmRiGhZ9lyi&q=85&s=7993c9077ca097e622fb348e964248ff" alt="Embedded order" width="1800" height="1263" data-path="images/embedded-order-mortgage.png" />

For custom implementations or non-LOS workflows:

<Card title="Custom Integration" icon="star" href="/mortgage/integration/custom-pos">
  **Recommended for custom integrations**

  * Handles multiple borrowers in one workflow
  * Supports multiple employers per borrower
  * Combined Income & Employment + Assets verification
  * Fully customizable branding
</Card>

***

## Common scenarios

### Scenario 1: Purchase Loan

**Borrower profile:** Primary borrower with W-2 income, co-borrower with 1099 income. Needs Income & Employment + Assets.

**Products:** `income`, `assets` | **Integration:** [POS Application](/mortgage/integration/custom-pos) (separate order per borrower) or [LOS Integration](/mortgage/integration/los-overview)

### Scenario 2: Refinance

**Borrower profile:** Single borrower, single employer. Needs current Income & Employment only.

**Products:** `income` | **Integration:** [LOS Integration](/mortgage/integration/los-overview) (fastest) or [Custom Integration](/mortgage/integration/custom-pos)

### Scenario 3: HELOC

**Borrower profile:** Existing customer. Income verification for credit line increase.

**Products:** `income` | **Integration:** [Custom Integration](/mortgage/integration/custom-pos)

***

## GSE Compliance

### Day 1 Certainty (Fannie Mae)

Truv's Income & Employment reports are eligible for Day 1 Certainty, providing:

* Rep and warrant relief on income and employment
* Reduced documentation requirements
* Faster loan processing

### Loan Product Advisor (Freddie Mac)

Truv data meets LP requirements for:

* Asset and Income Modeler (AIM)
* AIM Check for document-based income assessment
* Automated income assessment

[Learn more about GSE testing -->](/developers/testing/gse-testing)

***

## Implementation timeline

| Integration Method      | Timeline  | Code Required |
| ----------------------- | --------- | ------------- |
| **LOS/POS Integration** | 1-2 weeks | None          |
| **Embedded Orders**     | 2-4 weeks | Minimal       |

***

## Get started

<Steps>
  <Step title="Choose your integration method">
    * Using Encompass, SimpleNexus, or other LOS? --> [Platform Integration](/mortgage/integration/los-overview)
    * Building custom? --> [Custom Integration](/mortgage/integration/custom-pos)
  </Step>

  <Step title="Test in sandbox">
    <Card title="Sandbox Testing" href="/developers/testing/test-credentials">
      Test with sample borrower scenarios
    </Card>
  </Step>

  <Step title="Complete GSE testing">
    <Card title="GSE Testing Guide" href="/developers/testing/gse-testing">
      Validate Day 1 Certainty eligibility
    </Card>
  </Step>

  <Step title="Launch">
    <Card title="Launch Checklist" href="/developers/testing/launch-checklist">
      Pre-production validation
    </Card>
  </Step>
</Steps>

***

## Resources

<CardGroup cols={2}>
  <Card title="Custom Integration" icon="code" href="/mortgage/integration/custom-pos">
    POS Application, LOS, and follow-up guides
  </Card>

  <Card title="API Reference" icon="book" href="/api-reference">
    Complete API documentation
  </Card>

  <Card title="Best Practices" icon="check" href="/developers/best-practices/embedded-orders">
    Implementation guidelines
  </Card>

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