One Borrower Session. The Full Financial Picture.
Picture this: a borrower is halfway through connecting their primary checking account when they remember their down payment funds are split across their savings and investment accounts. Or underwriting comes back asking for reserves from an additional account that wasn't disclosed upfront.
Historically, moments like these meant restarting verification flows, sending new orders, or chasing borrowers with follow-up requests — all adding friction, delays, and unnecessary work for loan teams and borrowers.
To eliminate that friction, Truv introduced a powerful enhancement to the order landing page: borrowers can now add additional income sources or bank accounts in real time, without restarting the process, requesting a new link, or abandoning the process.
The Reality of Income, Employment and Asset Verification
Mortgage underwriting is rarely static. Borrowers' financial lives are nuanced, and requirements can evolve mid-process. Many borrowers have:
- Multiple bank accounts holding funds for down payment, reserves, or closing
- Employment histories that span multiple employers or pay structures
- Income details that only surface once verification is underway
Now, borrowers have more control over the data they may be required to share with lenders.
How It Works for Mortgage Lending
For lenders sending verification requests through their loan origination system (LOS) or Truv Dashboard, borrowers can now complete verification in a single, flexible session.
The borrower experience:
- Borrowers connect requested income, employment, and asset sources as usual
- If a borrower recalls supplemental income or multiple bank accounts after speaking with their loan officer initially, borrowers simply select "Add Another Account" in the same experience
- If underwriting requires more information down the line, borrowers simply select "Add Another Account" from the same landing page without new requests or email notifications
Additional checking, savings, investment, retirement, or employment sources can be connected instantly — no new order, no new link.
What This Means for Lenders
- Faster closings – Fewer pauses caused by incomplete documentation
- Less operational overhead – No reissuing orders or coordinating follow-ups
- More complete borrower profiles upfront – Underwrite with confidence on the full financial picture
- A smoother borrower experience – One session, fewer interruptions, less frustration
Why This Matters Beyond Convenience
Every extra email, phone call, or order reset adds time and cost to what's often a time sensitive experience: closing on a mortgage loan.
With Add Another Account:
- Borrowers stay in control over sharing critical underwriting details - adhoc and at speed
- Documentation gaps close faster
- Loan teams spend less time chasing "just one more account"
The result? A more efficient path from application to close.
Available Now
The Add Another Account feature is live for all Truv mortgage customers. Reach out to your Customer Success Manager with any questions.
