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Truv is an authorized report supplier for Fannie Mae’s Desktop Underwriter (DU). Truv reports provide representation and warranty relief on validated loan components: income, employment, and assets. Truv’s vendor ID is Truv.

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How it works

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Day 1 Certainty eligibility

Official Fannie Mae resource: Desktop Underwriter D1C provides:
  • Rep and warranty relief on income, employment, and assets
  • Reduced documentation requirements
  • Free re-verifications for up to 90 days after the initial report
“Current as of” date: For DU, this reflects the end of period from the borrower’s last pay statement.

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Implementation checklist

Use this sequence for a production-ready Fannie Mae flow:
  1. Complete your Truv integration using LOS integrations or Custom Integration
  2. Collect borrower income and, when needed, asset verification through Truv
  3. Retrieve the latest voie_report_id and voa_report_id
  4. Submit the Report ID into Desktop Underwriter
  5. Validate DU findings and confirm Day 1 Certainty eligibility
  6. If data is refreshed, use the newest Report ID for resubmission

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Integrate with Encompass

For ICE Encompass clients, Truv’s Report ID appears in the Loan: GSE Additional Provider Data screen as Truv (Bor, CoBorr).

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VOIE field mapping

Write the Report ID to Encompass FieldID GSEVENDOR.X50. For borrower and coborrower, comma-separate the Report IDs: 
borrower_report_id,coborrower_report_id

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VOA field mapping

BorrowerCoborrower
GSEVENDOR.X37GSEVENDOR.X38

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Validation checklist

1

Verify report generation

Confirm Truv generated the latest VOIE and VOA reports and that the borrower completed all required verifications before you submit to DU.
2

Confirm field mapping

If you use Encompass, verify GSEVENDOR.X50, GSEVENDOR.X37, and GSEVENDOR.X38 are populated correctly before DU submission.
3

Submit to DU

Submit the current Report ID in Desktop Underwriter and confirm DU can retrieve the report successfully.
4

Review DU findings

Check for Day 1 Certainty eligibility, missing data, or any partial-validation conditions caused by incomplete borrower verification.

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Reference test data

Use shared sandbox credentials from Test Credentials and Test Credentials for end-to-end borrower login testing. Use the Fannie Mae-specific accounts and report IDs below when you need DU-oriented reference data and sample PDFs.

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Borrower test accounts

UsernamePasswordSSNBorrower NameSample Report
firsttimeborrowergoodpassword991-91-9991Alice FirstimerPDF
fannie-test.case4goodpassword666-00-6666Pitt RockPDF
fannie-test.case5goodpassword999-60-6666Suzi BuilderPDF
fannie-test.case6goodpassword999-40-5000John HomeownerPDF
fannie-test.case7goodpassword999-42-2345Lucky KnowscorePDF

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Income & employment report IDs

Report IDSSNBorrowerSample Report
456bdef4a7e944679c613f03fea436f6999-60-1111Homer LoanseekerPDF
57d2e327e2a5436798519917bf36a958999-00-1147Jess SeaPDF
c92799ae5fb541b29c727c35b5433b2f999-00-9066Ann SeaPDF
193dba3298c140479172a8129e16c36e999-60-6666Suzi BuilderPDF

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Assets report IDs

Report IDSSNBorrowerSample Report
be953ec913ac4f2b9086529377e087f8999-60-1111Homer LoanseekerPDF
394fe28b784d4f6a96a746e56c575d69999-12-1234Patrick PurchaserPDF
2a144c7b7af9419692ce6f1661245425999-56-5678Lorraine PurchaserPDF
d3366e56821540f8b00cceafcfdf6944999-60-6666Suzi BuilderPDF

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Test in sandbox

For shared sandbox setup and reusable credentials, see Test Credentials and Test Credentials. For the mortgage-specific validation flow, see GSE testing.

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Next steps

Asset and Income Modeler (AIM)

Freddie Mac Loan Product Advisor integration

Sample Reports

Shared report retrieval patterns and Encompass mappings

Sandbox

Sandbox credentials and test scenarios

Launch Checklist

Pre-production validation