--- title: "Freddie Mac AIM Income, Employment & Asset Verification | Truv" category: Partners url: "https://truv.com/partners/freddie-mac" description: "Freddie Mac income, employment, and asset verification from Truv, an integrated Loan Product Advisor (LPA®) AIM service provider for rep and warrant relief." --- # Truv and Freddie Mac Truv is an integrated service provider supporting Freddie Mac's Loan Product Advisor (LPA) asset and income modeler (AIM). Lenders use Truv to automate the assessment of borrower assets, income, and employment, gaining eligibility for representation and warranty relief on verified loan data. - **URL:** https://truv.com/partners/freddie-mac - **Contact:** https://truv.com/contact-sales ## Truv Verifications Supporting Freddie Mac Truv provides a single platform covering the verification types eligible for representation and warranty relief through Loan Product Advisor: - **Income and employment verification:** Payroll-based verification for W-2 employees, gig workers, retirement, and disability income. (https://truv.com/mortgage-lending/income-and-employment-verification) - **Asset verification:** Bank-based income, employment, deposit, and asset reports. (https://truv.com/mortgage-lending/asset-verification) - **Document processing:** Document-based fallback for paystubs, W-2s, 1099s, and 1040s. (https://truv.com/mortgage-lending/income-document-verification) - **Reverification:** Pre-closing employment verification and deposit-based employment verification refresh reports for government-sponsored enterprise compliance. (https://truv.com/mortgage-lending/employment-reverification) ## Modernize Your Lending Process with Truv and Freddie Mac - **Reduce operational costs:** Save up to 80 percent on verification costs and re-verify at no extra charge. - **Accelerate loan processing:** Boost pull-through rates and shorten closing times with less manual intervention. - **Automate submission to Loan Product Advisor:** The report identifier auto-populates in your loan origination system for submission to Loan Product Advisor. - **Eligibility assessment for representation and warranty relief:** Assess for potential representation and warranty relief eligibility opportunities with Truv's full suite of verifications, covering verification of income, verification of employment, verification of assets, deposit-based verification of employment, and income calculation. - **Lend with greater confidence:** According to a Freddie Mac 2025 Cost to Originate study, lenders who extensively use LPA AIM capabilities experience 40 percent fewer loan defects compared to those with low usage. ## How It Works 1. **Truv orders:** The lender initiates a verification order. 2. **Borrower authentication:** The borrower securely connects their payroll, employer, or financial account. 3. **Returned results:** Verified income, employment, and/or asset data is returned. 4. **Asset and income modeler eligibility assessment:** The report is submitted to Loan Product Advisor and assessed for potential representation and warranty relief eligibility. ## Key Statistics - **Up to 80 percent:** Savings on verification costs, with re-verifications at no extra charge. - **40 percent fewer loan defects:** Lenders who extensively use LPA AIM capabilities experience 40 percent fewer loan defects compared to those with low usage, according to a Freddie Mac 2025 Cost to Originate study. ## Frequently Asked Questions ### Why do lenders partner with Truv for Freddie Mac verifications? Truv offers a single verification platform, so lenders can verify income, employment, and assets in one place instead of managing multiple verification providers. As an integrated service provider supporting the asset and income modeler, Truv covers verification of income and employment, verification of assets, deposit-based verification of employment through verification of assets, and document processing, each tied to a representation and warranty relief opportunity. ### What is Freddie Mac's Loan Product Advisor asset and income modeler? Freddie Mac's Loan Product Advisor asset and income modeler automates the assessment of borrower assets, income, and employment for lenders. By leveraging the support of integrated third-party service providers like Truv, the asset and income modeler makes the process faster, simpler, and more efficient. ### What is representation and warranty relief? Representation and warranty relief is assessed by Freddie Mac's Loan Product Advisor when eligible borrower income, employment, or asset data is verified by an integrated service provider. When a Truv report is submitted to Loan Product Advisor, lenders may gain relief on the verified data, reducing the risk of fraud and buybacks. ### What is an asset and income modeler service provider? An integrated service provider enables lenders to verify borrower income and employment data in real time, directly from the source, and transmits the required borrower data to Loan Product Advisor for automated assessment. ### What income and employment relief does Truv offer? As an integrated service provider supporting the asset and income modeler, Truv verifies more than 100 unique borrower income and employment data points. By extracting a borrower's payroll information and conducting real-time verifications, Truv automates one of the most time-consuming and costly steps in loan origination. ### Does Truv provide asset relief opportunities through asset verification reports? Yes. Truv offers automated asset verification through Freddie Mac Loan Product Advisor as an asset and income modeler service provider. Truv securely retrieves asset information directly from borrowers' financial accounts and transmits the required data to Loan Product Advisor for an automated asset assessment. ### Which securities and retirement accounts qualify for expanded relief? For loans where a Truv asset report has been submitted to Loan Product Advisor, Loan Product Advisor assesses securities and retirement accounts for representation and warranty relief eligibility. Eligible account types include 401(k) accounts, individual retirement accounts, other recognized retirement accounts, and brokerage accounts holding stocks, bonds, mutual funds, government securities, and non-retirement securities. ### Can Truv provide employment relief through deposit-based employment verification for the 10-day pre-closing check? Yes. Truv includes deposit-based employment verification through its asset verification solution, enabling lenders to potentially gain relief from Freddie Mac on pre-closing verification requirements. When a Truv asset verification report is generated at the front end of the loan process, lenders can pull a supplemental report-based employment verification before closing to satisfy 10-day pre-closing requirements. ### Does Truv offer relief when reports are generated with document processing? Yes. Truv is integrated with the Freddie Mac AIM Check application programming interface (API). The API, which uses Loan Product Advisor (LPA) asset and income modeler (AIM) capabilities, enables Freddie Mac-approved sellers to get an early view of a borrower's income before submitting a full application through Loan Product Advisor. Truv retrieves pay stubs and W-2s, extracts the data, submits the digitized data to the AIM Check API for income assessment, and returns the automated income assessment to lenders. ## Related Pages - [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) - [Reverification](https://truv.com/mortgage-lending/employment-reverification) - [Mortgage Lending](https://truv.com/mortgage-lending) - [Fannie Mae Day 1 Certainty](https://truv.com/partners/fannie-mae) - [Developer Documentation](https://docs.truv.com/) - [Contact Sales](https://truv.com/contact-sales)