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Freddie Mac AIM Check gives lenders an early income assessment using digitized pay stubs and W-2s. In Truv, AIM Check is powered by Document Processing, which extracts structured income and employment data from borrower-supplied documents when a direct payroll connection is unavailable or not preferred. Official Freddie Mac resource: Asset and Income Modeler (AIM)

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Benefits

Document-Based

Verify income from paystubs and W-2s without payroll connection

Freddie Mac Certified

AIM-ready reports for Loan Product Advisor

Fallback Option

Use when borrower can’t connect to payroll

Same Report Format

Consistent data structure across verification methods
Document-based income verification: Use AIM Check when you still need verified income data for Freddie Mac workflows, but the borrower cannot complete a payroll login.

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What you get

Income Calculation

  • Digitized pay stub and W-2 data
  • Current income and pay frequency
  • Year-to-date earnings
  • Structured income output for underwriting

Document Processing

  • Automated document validation and classification
  • Pay stub and W-2 extraction
  • Borrower-uploaded or API-submitted documents
  • Fraud checks during document review

Freddie Mac Compatibility

  • Supports Loan Product Advisor workflows
  • Designed for Freddie Mac AIM Check use cases
  • Works with Truv-generated report outputs

Fallback Coverage

  • Use when payroll connectivity fails
  • Supports borrower upload via Bridge
  • Supports API-first document collection workflows

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When to Use AIM Check

Use AIM Check when:
  • The borrower cannot connect a payroll provider through Truv Bridge
  • Your team already has pay stubs and W-2s and wants to process them directly via API
  • You need document-based income verification for a Freddie Mac loan workflow
Typical documents include:
  • 2 most recent pay stubs
  • Most recent W-2
  • Prior-year W-2 when available

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How it works

1

Create or identify the borrower

Create a Truv user or reuse an existing one. Include at least the last 4 digits of the SSN for AIM Check compatibility.
2

Upload borrower documents

Send documents through Document Collections or let the borrower upload them through Bridge when payroll login fails.
3

Process as income verification

Finalize the document workflow with product_type: "income" so Truv generates the same structured income and employment output used in mortgage verification flows.
4

Submit to Freddie Mac

Retrieve the resulting report and use it in your Freddie Mac Loan Product Advisor workflow. See Freddie Mac AIM for GSE-specific submission guidance.
curl -X POST https://prod.truv.com/v1/documents/collections/{collection_id}/finalize/ \
  -H "X-Access-Client-Id: YOUR_TRUV_CLIENT_ID" \
  -H "X-Access-Secret: YOUR_TRUV_CLIENT_SECRET" \
  -H "Content-Type: application/json" \
  -d '{
    "product_type": "income"
  }'

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Implementation paths

PathBest ForNotes
Document ProcessingCustom LOS/POS integrationsAPI-first collections and borrower upload fallback
ICE Encompass OrdersEncompass usersSupported via ASO; manual ordering is not supported
Freddie Mac AIMGSE submission workflowsCovers LPA and AIM-specific guidance
AIM Check is the document-based complement to payroll-based Income & Employment. Both feed mortgage underwriting workflows, but AIM Check is designed for borrower documents rather than live payroll connectivity.

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API reference

Orders

Create and manage verification orders

Parsed Documents

Retrieve parsed document data

Document Collections

Upload and process documents via the Collections API

Bridge Token

Create tokens for Truv Bridge

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Next steps

Document Processing

Mortgage-specific document processing workflow

Freddie Mac AIM

LPA and AIM submission guidance

ICE Encompass Orders

Configure AIM Check via ASO in Encompass

Document Collections API

Full API reference