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Verify borrower income, employment, and assets in real-time by embedding Truv Bridge directly in your point-of-sale system. The borrower searches for their employer, connects their accounts, and completes verification without leaving your application.
Integration pattern: Embedded Orders | Products: VOIE, VOE, VOA | Demo: Application
If you use a supported POS platform (nCino, Floify, BeSmartee, LenderLogix, TidalWave, Lodasoft), see POS Integrations instead.

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Get started

1

Run the demo

Clone and run the Application demo to see the full borrower verification flow working locally.
git clone https://github.com/truvhq/demo-apps.git
cd demo-apps
npm install && npm start
Open http://localhost:5173, select Mortgage > POS Application, and walk through a verification using sandbox credentials (goodlogin / goodpassword).See full setup instructions for ngrok and environment configuration.
2

Understand the API flow

The demo follows this sequence:
  1. Search for employer — Your server calls GET /v1/company-mappings-search/ to find the borrower’s employer by name. For asset verification, search financial institutions with GET /v1/providers/.
  2. Create an order — Your server sends borrower PII and selected products to POST /v1/orders/. The response includes a bridge_token and user_id.
  3. Initialize Bridge — Your frontend opens Truv Bridge with the bridge_token. Set isOrder: true and optionally pass companyMappingId to deeplink directly to the employer.
  4. Receive webhooks — Truv sends an order-status-updated webhook when verification completes. Verify the signature using the X-Webhook-Sign header with HMAC-SHA256.
  5. Retrieve reports — Fetch the VOIE report with POST /v1/users/{user_id}/reports/ or the assets report with POST /v1/users/{user_id}/assets/reports/.
3

Review the code

Each step maps to a specific file in the demo. Use these as reference when building your integration.
StepDemo fileAPI reference
Employer searchsrc/components/CompanySearch.jsxCompany Search
Order creationserver/routes/orders.jsPOST /v1/orders/
Bridge initializationsrc/demos/Application.jsxBridge SDK
Webhook verificationserver/webhooks.jsWebhook events
Report retrievalserver/routes/user-reports.jsIncome reports

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Mortgage-specific configuration

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Products

Request both income and assets for mortgage verification by passing products: ["income", "assets"] in the order. The income product includes employment data automatically — you don’t need to pass employment separately.

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SSN for GSE matching

Include the borrower’s SSN in the order to enable GSE report matching for Fannie Mae D1C and Freddie Mac AIM: 
{
  "products": ["income", "assets"],
  "ssn": "222233333",
  "first_name": "John",
  "last_name": "Doe",
  "external_user_id": "borrower_123"
}

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External user ID

Use external_user_id to link multiple orders to the same borrower across your system. This enables follow-up verifications and data continuity.

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Next steps

Deeplinking

Skip the employer search screen when you already know the borrower’s employer

Co-borrowers

Handle multiple borrowers and employers in a single loan file

GSE Testing

Validate Fannie Mae D1C and Freddie Mac AIM eligibility

Embedded Orders Guide

Full implementation guide for order creation, Bridge, callbacks, and data retrieval