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Truv’s Income & Employment reports are certified by Fannie Mae and Freddie Mac. This guide helps you validate GSE compliance before going live.
For shared sandbox setup and reusable credentials, see Test Credentials and Test Credentials. This page focuses on the mortgage-specific GSE workflow.

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Fannie Mae: Day 1 Certainty

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What is Day 1 Certainty?

Day 1 Certainty provides:
  • Rep and warrant relief on income, employment, and assets
  • Reduced documentation requirements
  • Faster loan processing
  • Confidence in data accuracy

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Eligibility Requirements

To qualify for Day 1 Certainty with Truv:
  1. Use Truv Income & Employment data for income and employment
  2. Retrieve reports via the Truv API. They are automatically generated in GSE-compatible format.
  3. Submit through Desktop Underwriter (DU)
  4. Loan must meet Day 1 Certainty criteria

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Testing Day 1 Certainty

  1. Create a test loan in your LOS
  2. Run verification through Truv using sandbox credentials
  3. Retrieve the VOIE report — Truv generates reports in Fannie Mae-compatible format automatically (see Retrieve reports below)
  4. Submit to DU and validate response

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Freddie Mac: Loan Product Advisor

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Asset and Income Modeler (AIM)

Truv data supports Freddie Mac’s AIM for:
  • Automated income assessment
  • Asset verification
  • Risk evaluation

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Testing with LPA

  1. Create a test loan
  2. Run Truv verification using sandbox credentials
  3. Retrieve the report — Truv generates Freddie Mac-compatible formats automatically (see Retrieve reports below)
  4. Submit to LPA and validate response

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Retrieve the Report ID

After the borrower completes verification, retrieve the Report ID to submit to Desktop Underwriter or Loan Product Advisor. From an Embedded Order: 
curl https://prod.truv.com/v1/orders/{order_id}/ \
  -H "X-Access-Client-Id: YOUR_TRUV_CLIENT_ID" \
  -H "X-Access-Secret: YOUR_TRUV_CLIENT_SECRET"
The response includes voie_report_id and voa_report_id. From a Bridge Token implementation: 
# VOIE Report ID
curl https://prod.truv.com/v1/users/{user_id}/reports/ \
  -H "X-Access-Client-Id: YOUR_TRUV_CLIENT_ID" \
  -H "X-Access-Secret: YOUR_TRUV_CLIENT_SECRET"

# VOA Report ID
curl https://prod.truv.com/v1/users/{user_id}/assets/reports/ \
  -H "X-Access-Client-Id: YOUR_TRUV_CLIENT_ID" \
  -H "X-Access-Secret: YOUR_TRUV_CLIENT_SECRET"
Ensure the borrower has completed all requested verifications before retrieving Report IDs. Partial completions result in partial DU/LPA validation.

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Retrieve the PDF Report

# VOIE PDF
curl "https://prod.truv.com/v1/users/{user_id}/reports/{report_id}/?fmt=pdf" \
  -H "X-Access-Client-Id: YOUR_TRUV_CLIENT_ID" \
  -H "X-Access-Secret: YOUR_TRUV_CLIENT_SECRET"

# VOA PDF
curl "https://prod.truv.com/v1/users/{user_id}/assets/reports/{report_id}/?fmt=pdf" \
  -H "X-Access-Client-Id: YOUR_TRUV_CLIENT_ID" \
  -H "X-Access-Secret: YOUR_TRUV_CLIENT_SECRET"
Use fmt=json for the JSON response.
Truv reports are generated in GSE-compatible formats automatically. The standard report output meets both Fannie Mae and Freddie Mac requirements — no separate format parameter is needed.

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Test scenarios

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Scenario 1: Standard W-2 Employee

Use the standard payroll sandbox login from Test Credentials. Expected result:
  • DU/LPA accepts income data
  • Day 1 Certainty eligibility confirmed
  • No additional documentation required

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Scenario 2: Multiple Income Sources

Use the multiple-employment sandbox login from Test Credentials. Expected result:
  • All income sources aggregated
  • Combined income validated by GSE
  • Rep and warrant coverage for all sources

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Scenario 3: 1099 Contractor

Use an applicable sandbox credential from Test Credentials and validate the GSE handling for that income profile. Expected result:
  • Self-employment income reported
  • May require additional documentation
  • Validate GSE handling of non-W-2 income

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Validation checklist

1

Verify report format

Ensure reports match GSE specifications:
  • Correct field mapping
  • Required data elements present
  • Proper date formats
2

Test DU/LPA submission

Submit test loans to:
  • Desktop Underwriter (Fannie Mae)
  • Loan Product Advisor (Freddie Mac)
3

Validate response

Confirm GSE accepts Truv data:
  • No data validation errors
  • Day 1 Certainty eligible (if applicable)
  • No additional documentation required
4

Document results

Keep records of:
  • Test case IDs
  • GSE responses
  • Any issues and resolutions

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Common issues

Possible causes:
  • Missing required fields in the loan file
  • Data formatting issues in your LOS
  • Incorrect field mapping
Solution: Verify your LOS field mapping matches the Truv report structure. See Sample Reports for report and field-mapping guidance.
Possible causes:
  • Loan doesn’t meet D1C criteria
  • Income type not supported
  • Data age requirements not met
Solution: Review DU and D1C eligibility requirements for your loan type on the Fannie Mae Desktop Underwriter page.
Possible causes:
  • Complex income situation
  • Self-employment income
  • GSE requires additional verification
Solution: This may be expected for certain scenarios. Document the workflow for your underwriting team.

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Next steps

Launch Checklist

Pre-production validation

Sandbox Testing

Test with sample borrower scenarios

Sample Reports

View example report output

Support

support@truv.com