> ## 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.

# AIM Check for Mortgage

> Document-based income verification for Freddie Mac AIM Check using pay stubs and W-2s

Freddie Mac AIM Check gives lenders an early income assessment using digitized pay stubs and W-2s. In Truv, AIM Check is powered by Document Processing, which extracts structured income and employment data from borrower-supplied documents when a direct payroll connection is unavailable or not preferred.

Official Freddie Mac resource: [Asset and Income Modeler (AIM)](https://sf.freddiemac.com/tools-learning/technology-tools/our-solutions/aim-asset-income-modeler)

## Benefits

<CardGroup cols={2}>
  <Card title="Document-Based" icon="file-lines">Verify income from paystubs and W-2s without payroll connection</Card>
  <Card title="Freddie Mac Certified" icon="certificate">AIM-ready reports for Loan Product Advisor</Card>
  <Card title="Fallback Option" icon="rotate">Use when borrower can't connect to payroll</Card>
  <Card title="Same Report Format" icon="equals">Consistent data structure across verification methods</Card>
</CardGroup>

<Note>
  **Document-based income verification**: Use AIM Check when you still need verified income data for Freddie Mac workflows, but the borrower cannot complete a payroll login.
</Note>

***

## What you get

<CardGroup cols={2}>
  <Card title="Income Calculation" icon="calculator">
    * Digitized pay stub and W-2 data
    * Current income and pay frequency
    * Year-to-date earnings
    * Structured income output for underwriting
  </Card>

  <Card title="Document Processing" icon="file-lines">
    * Automated document validation and classification
    * Pay stub and W-2 extraction
    * Borrower-uploaded or API-submitted documents
    * Fraud checks during document review
  </Card>

  <Card title="Freddie Mac Compatibility" icon="building-columns">
    * Supports Loan Product Advisor workflows
    * Designed for Freddie Mac AIM Check use cases
    * Works with Truv-generated report outputs
  </Card>

  <Card title="Fallback Coverage" icon="route">
    * Use when payroll connectivity fails
    * Supports borrower upload via Bridge
    * Supports API-first document collection workflows
  </Card>
</CardGroup>

***

## When to Use AIM Check

Use AIM Check when:

* The borrower cannot connect a payroll provider through Truv Bridge
* Your team already has pay stubs and W-2s and wants to process them directly via API
* You need document-based income verification for a Freddie Mac loan workflow

Typical documents include:

* 2 most recent pay stubs
* Most recent W-2
* Prior-year W-2 when available

***

## How it works

<Steps>
  <Step title="Create or identify the borrower">
    Create a Truv user or reuse an existing one. Include at least the last 4 digits of the SSN for AIM Check compatibility.
  </Step>

  <Step title="Upload borrower documents">
    Send documents through [Document Collections](/mortgage/integration/document-processing) or let the borrower upload them through Bridge when payroll login fails.
  </Step>

  <Step title="Process as income verification">
    Finalize the document workflow with `product_type: "income"` so Truv generates the same structured income and employment output used in mortgage verification flows.
  </Step>

  <Step title="Submit to Freddie Mac">
    Retrieve the resulting report and use it in your Freddie Mac Loan Product Advisor workflow. See [Freddie Mac AIM](/mortgage/d1c-aim/freddie-mac) for GSE-specific submission guidance.
  </Step>
</Steps>

```bash theme={null}
curl -X POST https://prod.truv.com/v1/documents/collections/{collection_id}/finalize/ \
  -H "X-Access-Client-Id: YOUR_TRUV_CLIENT_ID" \
  -H "X-Access-Secret: YOUR_TRUV_CLIENT_SECRET" \
  -H "Content-Type: application/json" \
  -d '{
    "product_type": "income"
  }'
```

***

## Implementation paths

| Path                                                             | Best For                    | Notes                                               |
| ---------------------------------------------------------------- | --------------------------- | --------------------------------------------------- |
| [Document Processing](/mortgage/integration/document-processing) | Custom LOS/POS integrations | API-first collections and borrower upload fallback  |
| [ICE Encompass Orders](/mortgage/integration/ice-encompass/aso)  | Encompass users             | Supported via ASO; manual ordering is not supported |
| [Freddie Mac AIM](/mortgage/d1c-aim/freddie-mac)                 | GSE submission workflows    | Covers LPA and AIM-specific guidance                |

<Info>
  AIM Check is the document-based complement to payroll-based [Income & Employment](/mortgage/products/income-employment). Both feed mortgage underwriting workflows, but AIM Check is designed for borrower documents rather than live payroll connectivity.
</Info>

***

## API reference

<CardGroup cols={2}>
  <Card title="Orders" icon="file-circle-plus" href="/api-reference/orders/object">Create and manage verification orders</Card>
  <Card title="Parsed Documents" icon="file-magnifying-glass" href="/api-reference/parsed-documents/object">Retrieve parsed document data</Card>
  <Card title="Document Collections" icon="upload" href="/api-reference/document-collections/collections_create">Upload and process documents via the Collections API</Card>
  <Card title="Bridge Token" icon="key" href="/api-reference/bridge-token/object">Create tokens for Truv Bridge</Card>
</CardGroup>

***

## Next steps

<CardGroup cols={2}>
  <Card title="Document Processing" icon="code" href="/mortgage/integration/document-processing">
    Mortgage-specific document processing workflow
  </Card>

  <Card title="Freddie Mac AIM" icon="building-columns" href="/mortgage/d1c-aim/freddie-mac">
    LPA and AIM submission guidance
  </Card>

  <Card title="ICE Encompass Orders" icon="building" href="/mortgage/integration/ice-encompass/aso">
    Configure AIM Check via ASO in Encompass
  </Card>

  <Card title="Document Collections API" icon="book" href="/api-reference/document-collections/collections_create">
    Full API reference
  </Card>
</CardGroup>