---
title: "Employment Reverification | Pre-Closing VOE & DVOE Reports | Truv"
category: Products
url: "https://truv.com/mortgage-lending/employment-reverification"
description: Pre-closing employment reverification with payroll-connected (VOE) or bank-connected (DVOE) reports. Streamline closing with GSE-eligible refresh reports.
---

# Employment Reverification

Reverify employment from income or deposits. Real-time, payroll-connected (VOE) or bank-connected (DVOE) reverification reports — built to satisfy 10-day pre-closing requirements without re-engaging the borrower.

- **URL:** https://truv.com/mortgage-lending/employment-reverification
- **Contact:** https://truv.com/contact-sales

## GSE-Ready Reports to Streamline Closing Requirements

### Data Quality
Unlock higher validation rates. Leading rep and warrant relief acceptance rates with VOE and DVOE reports.

### Automation
Automate reverifications. Trigger automated reverifications using ASO (Automated Service Order) inside Encompass.

### Customization
Customize VOE and DVOE reports. Stay clear-to-close with customized report data and on-demand refreshes.

### Cost Savings
Minimize multi-report costs. Save on verification costs with unlimited, free refresh reports for up to 90 days.

## What Truv Provides

### Pre-Closing VOE (Payroll-Connected)
Real-time, payroll-connected Verification of Employment refresh reports. Generated automatically from the original Verification of Income and Employment connection — no borrower re-authentication required. GSE-eligible for Fannie Mae Day 1 Certainty® (D1C®) and Freddie Mac LPA AIM®.

### Pre-Closing DVOE (Bank-Connected)
Deposit-based Verification of Employment derived from connected bank account data. Used when borrower income was originally verified via Truv's Verification of Assets — confirms continued employment by analyzing recent payroll deposits without requiring a new connection or document upload.

### Automated Reverifications in Encompass
Trigger pre-closing reverifications automatically through Truv's ASO integration with ICE Mortgage Technology's Encompass®. The reverification fires at the right point in the workflow and the refreshed report is delivered back into the loan file.

### Customizable Reports & On-Demand Refreshes
Configure VOE and DVOE report data fields, refresh windows, and report types to match underwriting and investor requirements. On-demand refreshes available so lenders stay clear-to-close even when closing dates move.

### 90-Day Free Refresh Window
Unlimited, free refresh reports for up to 90 days on the original verification — a single upfront VOIE or VOA powers both initial underwriting and the 10-day pre-closing reverification without a second invoice.

## GSE Approvals

- Fannie Mae Day 1 Certainty® (D1C®)
- Freddie Mac Loan Product Advisor® (LPA℠) Asset and Income Modeler (AIM®)

## Key Use Cases

- Mortgage 10-day pre-closing reverification
- Refreshing employment status after long underwriting cycles
- Replacing manual VOE/DVOE workflows in Encompass
- DVOE generation when borrower originally verified via VOA

## Benefits

- **GSE-eligible:** Fannie Mae DU/D1C® and Freddie Mac LPA AIM® approved.
- **Rep and warrant relief:** Eligible loans qualify for rep and warrant relief on income and employment.
- **Lower per-loan cost:** Free refreshes within 90 days replace multi-report invoices.
- **Faster close:** Automated reverification cuts cycle time vs. manual ordering.

## Related Pages

- [Mortgage Lending](https://truv.com/mortgage-lending)
- [Income and Employment Verification](https://truv.com/mortgage-lending/income-and-employment-verification)
- [Asset Verification](https://truv.com/mortgage-lending/asset-verification)
- [Document Processing](https://truv.com/mortgage-lending/income-document-verification)
- [Fannie Mae Partnership](https://truv.com/partners/fannie-mae)
- [Freddie Mac Partnership](https://truv.com/partners/freddie-mac)
- [Encompass Integration](https://truv.com/mortgage-lending/los-integrations/encompass)
- [Developer Documentation](https://truv.com/docs)
- [Contact Sales](https://truv.com/contact-sales)