GSE Certified
Fannie Mae & Freddie Mac approved for Income & Employment
48-72 hours faster
Reduce verification time from days to minutes
LOS/POS Integration
Direct integration with Encompass, nCino, and more
Day 1 Certainty
Meet DU and LP requirements
What you can verify
Income & Employment
GSE Certified
- Current income and pay frequency
- YTD earnings
- Employment status and start date
- Employer information
Assets
- Bank account balances
- Account ownership verification
- Transaction history
- Large deposit identification
AIM Check
Freddie Mac document income
- Pay stub and W-2 digitization
- Document-based income calculation
- Fallback when payroll connection is unavailable
- Structured income data for LPA workflows
Integration options
Option 1: Platform Integrations (No Code)
ICE Encompass
Direct integration with Encompass eFolder
nCino SimpleNexus
Embedded in borrower experience
TidalWave
POS integration
More Platforms
Blue Sage, BeSmartee, Lodasoft, and others
Option 2: Embedded Orders (Custom Integration)
Custom Integration
Recommended for custom integrations
- Handles multiple borrowers in one workflow
- Supports multiple employers per borrower
- Combined Income & Employment + Assets verification
- Fully customizable branding
Common scenarios
Scenario 1: Purchase Loan
Borrower profile: Primary borrower with W-2 income, co-borrower with 1099 income. Needs Income & Employment + Assets. Products:income, assets | Integration: POS Application (separate order per borrower) or LOS Integration
Scenario 2: Refinance
Borrower profile: Single borrower, single employer. Needs current Income & Employment only. Products:income | Integration: LOS Integration (fastest) or Custom Integration
Scenario 3: HELOC
Borrower profile: Existing customer. Income verification for credit line increase. Products:income | Integration: Custom Integration
GSE Compliance
Day 1 Certainty (Fannie Mae)
Truv’s Income & Employment reports are eligible for Day 1 Certainty, providing:- Rep and warrant relief on income and employment
- Reduced documentation requirements
- Faster loan processing
Loan Product Advisor (Freddie Mac)
Truv data meets LP requirements for:- Asset and Income Modeler (AIM)
- AIM Check for document-based income assessment
- Automated income assessment
Implementation timeline
| Integration Method | Timeline | Code Required |
|---|---|---|
| LOS/POS Integration | 1-2 weeks | None |
| Embedded Orders | 2-4 weeks | Minimal |
Get started
Choose your integration method
- Using Encompass, SimpleNexus, or other LOS? —> Platform Integration
- Building custom? —> Custom Integration
Resources
Custom Integration
POS Application, LOS, and follow-up guides
API Reference
Complete API documentation
Best Practices
Implementation guidelines