> ## 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.

# Assets for Mortgage

> Verify borrower bank account balances, ownership, and transaction history for mortgage underwriting

Verification of Assets (VOA) provides instant access to borrower bank account balances, ownership verification, and transaction history directly from financial institutions. Data is returned in GSE-compatible formats for Fannie Mae and Freddie Mac workflows.

## Benefits

<CardGroup cols={2}>
  <Card title="GSE Compatible" icon="certificate">Reports in Fannie Mae and Freddie Mac formats</Card>
  <Card title="Major Institutions" icon="building-columns">Chase, Bank of America, Wells Fargo, and thousands more</Card>
  <Card title="Instant Verification" icon="bolt">Real-time account balances and transaction history</Card>
  <Card title="Up to 2 Years" icon="calendar">30-730 days of transaction history, configurable per request</Card>
</CardGroup>

***

## What you get

<CardGroup cols={2}>
  <Card title="Account Information" icon="building-columns">
    * Account type (checking, savings, money market, CD, investment)
    * Verified account holder name and ownership
    * Current and available balances
    * Routing number and masked account number
  </Card>

  <Card title="Transaction History" icon="receipt">
    * Up to 2 years of transaction history (30-730 days via `days_requested`)
    * Date, description, amount, and type (DEBIT/CREDIT/MEMO)
    * Direct deposit identification
    * Large deposit threshold flagging at the report level
  </Card>

  <Card title="Summary & Analytics" icon="chart-line">
    * 30/60/90-day average balances
    * Balance history over time
    * Currency and account metadata
  </Card>

  <Card title="Documents" icon="file-lines">
    * Bank statements (PDF)
    * Account verification letter
    * GSE-formatted PDF report
  </Card>
</CardGroup>

***

## Data coverage

### Financial Institutions

Truv connects to major banks and credit unions:

| Institution Type | Examples                                  |
| ---------------- | ----------------------------------------- |
| National banks   | Chase, Bank of America, Wells Fargo, Citi |
| Regional banks   | PNC, US Bank, TD Bank                     |
| Credit unions    | Navy Federal, State Employees CU          |
| Online banks     | Ally, Marcus, Discover                    |
| Investment       | Fidelity, Charles Schwab, Vanguard        |

Further explore: [Financial Accounts Coverage](/developers/coverage-financial-accounts)

***

## How to implement

Choose your integration path based on your tech stack:

| Path                                                      | Code Required | Best For                                  |
| --------------------------------------------------------- | ------------- | ----------------------------------------- |
| [LOS/POS Integration](/mortgage/integration/los-overview) | None          | Encompass, nCino, Floify, BeSmartee users |
| [Truv Dashboard](/developers/dashboard)                   | None          | Manual orders, pilot testing              |
| [Custom Integration](/mortgage/integration/custom-pos)    | Custom        | Full API control, custom borrower portal  |

For custom integrations, see the [POS Application guide](/mortgage/integration/custom-pos) for the borrower-facing flow or the [LOS guide](/mortgage/integration/custom-los) for loan-officer-initiated verification.

***

## Report structure

When you retrieve VOA data via the API, the response follows the [VOA Report](/api-reference/user-asset-verification-reports/object) schema. Reports are structured with `links` containing `accounts`, each with balances and transactions.

| Field              | Path                                                  | Example               |
| ------------------ | ----------------------------------------------------- | --------------------- |
| Account type       | `links[].accounts[].type`                             | `CHECKING`, `SAVINGS` |
| Masked number      | `links[].accounts[].mask`                             | `"1234"`              |
| Account holder     | `links[].accounts[].owners[].full_name`               | `"John Smith"`        |
| Current balance    | `links[].accounts[].balances.current`                 | `"15420.50"`          |
| Available balance  | `links[].accounts[].balances.available`               | `"15000.00"`          |
| Direct deposit     | `links[].accounts[].transactions[].is_direct_deposit` | `true`                |
| 30-day avg balance | `summary.avg_30`                                      | `"14500.00"`          |
| Deposit threshold  | `large_deposit_threshold`                             | `"1000.00"`           |

<Accordion title="View full response example" icon="code">
  ```json theme={null}
  {
    "report_id": "a1b2c3d4e5f6a1b2c3d4e5f6a1b2c3d4",
    "created_at": "2024-01-15T10:30:00Z",
    "days_requested": 60,
    "large_deposit_threshold": "1000.00",
    "links": [
      {
        "link_id": "150491a20bdb4292bb2a2ad8554fecba",
        "provider": "chase",
        "provider_name": "Chase",
        "accounts": [
          {
            "id": "4d601895417c46ec99633978db12a866",
            "type": "CHECKING",
            "mask": "1234",
            "owners": [
              {
                "full_name": "John Smith"
              }
            ],
            "balances": {
              "balance": "15420.50",
              "available_balance": "15000.00"
            },
            "transactions": [
              {
                "id": "tx_abc123",
                "transacted_at": "2024-01-15T00:00:00Z",
                "description": "DIRECT DEPOSIT - ACME CORP",
                "amount": "4250.00",
                "type": "CREDIT",
                "is_direct_deposit": true
              }
            ]
          }
        ]
      }
    ],
    "summary": {
      "avg_30": "14500.00",
      "avg_60": "13800.00",
      "avg_90": "13200.00",
      "balance": "15420.50",
      "currency_code": "USD"
    }
  }
  ```
</Accordion>

<Info>
  **Large deposit threshold** is set at the report level via the `large_deposit_threshold` field when creating the VOA report request. Transactions exceeding this threshold are identified for underwriting review. The `is_direct_deposit` field on transactions helps distinguish payroll deposits from other large transfers.
</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="Assets Report" icon="piggy-bank" href="/api-reference/user-asset-verification-reports/object">Retrieve asset verification data</Card>
  <Card title="Accounts" icon="building-columns" href="/api-reference/balances/object">Financial account details</Card>
  <Card title="Bridge Token" icon="key" href="/api-reference/bridge-token/object">Create tokens for Truv Bridge</Card>
</CardGroup>

***

## Best practices

<AccordionGroup>
  <Accordion title="Combine income and assets in one order" icon="layer-group">
    For purchase loans, request both `income` and `assets` products in a single order. The borrower completes both verifications in one Bridge session, improving completion rates.
  </Accordion>

  <Accordion title="Handle multiple financial institutions" icon="building-columns">
    Borrowers may have accounts at multiple banks. Each institution creates a separate connection (link). Process each connection's data as it completes via webhooks rather than waiting for all to finish.
  </Accordion>

  <Accordion title="Review large deposits for underwriting" icon="flag">
    The VOA report flags the `large_deposit_threshold` at the report level. Review transactions with `is_direct_deposit: false` that exceed this threshold. These typically require additional documentation for underwriting.
  </Accordion>
</AccordionGroup>

***

## Next steps

<CardGroup cols={2}>
  <Card title="POS Application" icon="code" href="/mortgage/integration/custom-pos">
    Embed verification in a borrower-facing portal
  </Card>

  <Card title="GSE Testing" icon="certificate" href="/developers/testing/gse-testing">
    Validate Fannie Mae and Freddie Mac compliance
  </Card>

  <Card title="Sample Reports" icon="file-contract" href="/mortgage/testing/sample-reports">
    View example VOA report output
  </Card>

  <Card title="Testing" icon="flask" href="/developers/testing/test-credentials">
    Test with sample borrower data
  </Card>
</CardGroup>