---
title: "BeSmartee Integration — BeSmartee Mortgage Integration | Digital Mortgage Verification | Truv"
category: Integrations
url: "https://truv.com/mortgage-lending/pos-integrations/besmartee"
description: Truv BeSmartee integration automates consumer-permissioned income and employment verification inside BeSmartee. BeSmartee mortgage integration and digital mortgage verification approved by Fannie Mae and Freddie Mac.
---

# BeSmartee Integration

Truv integrates directly with BeSmartee to automate consumer-permissioned income and employment verification inside the loan application. Lenders can verify borrowers with direct-to-source payroll data without leaving BeSmartee.

- **URL:** https://truv.com/mortgage-lending/pos-integrations/besmartee
- **Contact:** https://truv.com/contact-sales

## What Truv Provides in BeSmartee

### Authorized Income and Employment Reports for DU and LPA

Truv income and employment reports are approved by Fannie Mae and Freddie Mac for use with Desktop Underwriter and Loan Product Advisor. Lenders receive rep and warrant relief on verified loan components.

### Income Calculations for Rep and Warrant Relief

Truv Document Processing retrieves wage documents for Freddie Mac AIM-eligible income types — including base, bonus, commission, and overtime — directly inside BeSmartee.

### Automated Consumer-Permissioned Verification

Borrowers grant permission to retrieve their payroll data directly within the BeSmartee application flow — no manual document collection required.

### Embed Truv in the Loan Application

Verification triggers directly within the BeSmartee loan application — no separate borrower redirect required.

## Key Use Cases

- Mortgage loan underwriting and pre-qualification
- DU and LPA submission with rep and warrant relief
- Income verification for purchase and refinance loans

## Benefits

- **Automated verification:** Consumer-permissioned data retrieval eliminates manual income document collection.
- **Fannie Mae and Freddie Mac approved:** Reports accepted by both automated underwriting systems.
- **No workflow disruption:** Truv embeds inside BeSmartee without additional systems or borrower redirects.

## Related Pages

- [POS Integrations Overview](https://truv.com/mortgage-lending/pos-integrations)
- [Income and Employment Verification](https://truv.com/mortgage-lending/income-and-employment-verification)
- [Fannie Mae Day 1 Certainty](https://truv.com/partners/fannie-mae)
- [Home Lending](https://truv.com/mortgage-lending)
- [Developer Documentation](https://truv.com/docs)
- [Contact Sales](https://truv.com/contact-sales)