Solutions Built for Mortgage
Enhanced mortgage verification solutions give lenders the ability to digitally access pertinent employment and income information throughout the mortgage loan process. Pay one flat fee for each solution to help make forecasting your verification costs easier and provide a better customer experience.
Meet your customers' expectations with an effortless, digital solution.
70%
Agree that it should take 10 days or less to get a mortgage.*
66%
Like the online application process because of a quicker time to close.**
Application
Lenders maximize the benefits of automated income and employment verification when used early in loan origination. Ensuring an applicant’s “ability to pay” from the start can help prevent delays later, potentially shortening the time to close.
Mortgage Preferred™
Mortgage Ultimate™
Mortgage Duo™
Provides a 12-month view of a borrower’s income and employment history (active and inactive records).
All Employers Within 12 Months™
our solutions compared
pre-approval
Application
1
of homebuyers
of all borrowers
Underwriting
Closing
Gain peace of mind to help ensure an applicant is still employed and nothing has changed since application and underwriting.
Post Closing is where all documents signed at the closing table are properly filed and/or mailed to the appropriate parties and all necessary payments as itemized on the settlement statement are sent out as scheduled.
4
Post Closing
The process by which a lender collects interest, principal, and escrow payments from a borrower and monitor their held portfolios.
4
Servicing
1
3
4
4
5
*2019 Equifax Consumer Study / SurveyMonkey
**Ellie Mae 2019 Borrower Insights Survey
Discover how we help speed your business and your customers throughout the mortgage loan process.
VOI
Mortgage Complete Duo™
Our digital, cloud-based verifications solutions can increase the ease, transparency and efficiency of loan origination for lenders and borrowers.
Point-of-Sale
2
Mortgage Complete™
Best For: Quick processing of creditworthy borrowers who require limited income and employment history to gain approval.
Provides a 24-month view of a borrower’s income and employment history (active and inactive records).
Best For: Verifiers needing to obtain the 2 years of available income and employment history data required by standard Government-sponsored Enterprises (GSE) guidelines.
All Employers Within 24 Months™
Provides available income and employment records dating back 36-months from the request (active and inactive records).
Best For: Helping verifiers with loan decisioning, underwriting and risk decisions related to a more complicated consumer income profile.
All Employers Within 36 Months™
Provides available income and employment records dating back 90-days from the request, as well as available inactive records going back 24 months ( up to 4 verifications with the same filters (VOI or VOE) included).
Best For: Verifiers needing multiple income and/or employment verifications during loan origination.
mortgage ultimate™
Provides available income and employment records dating back 60-days from the request, as well as available inactive records going back 24 months.
Best For: Verifiers wanting the most recent income and employment records, and access to historical payroll data.
mortgage preferred™
Provides available income and employment records dating back 24-months from the request, for a borrower and co-borrower (active and inactive records). Includes an additional VOI or VOE for both borrowers.
Best For: Verifiers needing to obtain income and/or employment verification for a borrower and a co-borrower.
mortgage duo™
Provides available income and employment records dating back 24-months from the request, for a borrower (active and inactive records). Includes up to 2 VOI or VOE, plus 1x manual VOI/E, and IRS Transcript (4506-C).
Best For: Verifiers who may need to verify income and/or employment from multiple sources (for one borrower).
mortgage complete™
Provides available income and employment records dating back 24-months from the request (active and inactive records). Includes up to 3 VOI or VOE, plus 1x manual VOI/E, and IRS Transcript (4506-C) (for a borrower and a co-borrower).
Best For: Verifiers who may need to verify income and/or employment from multiple sources (for a borrower and a co-borrower).
mortgage complete duo™
Provides available active employment records dating back 60-days from the request.
Best For: Verifiers needing employment verification tailored specifically for loan closing.
employment select™
All Employers
Within 12 Months™
All Employers
Within 24 Months™
All Employers
Within 36 Months™
Employment Select™
Income verification is one of the central parts of the mortgage underwriting process. Lenders can leverage The Work Number for a 12, 24 or 36 month view of an applicant’s employment history.
See how our solutions help at the application stage
See how our solutions help at the point-of-sale stage
See how our solutions help at the underwriting stage
See how our solutions help at the closing stage
Contact Us to Start Verifying
Read Our Latest Ebook
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Provides available income and employment records dating back 60-days from the request, as well as available inactive records going back 24 months.
Best For: Verifiers wanting the most recent income and employment records, and access to historical payroll data.
mortgage preferred™
Provides available income and employment records dating back 90-days from the request, as well as available inactive records going back 24 months ( up to 4 verifications with the same filters (VOI or VOE) included).
Best For: Verifiers needing multiple income and/or employment verifications during loan origination.
mortgage ultimate™
VOI
Provides available income and employment records dating back 24-months from the request, for a borrower and co-borrower (active and inactive records). Includes an additional VOI or VOE for both borrowers.
Best For: Verifiers needing to obtain income and/or employment verification for a borrower and a co-borrower.
mortgage duo™
Provides available income and employment records dating back 24-months from the request, for a borrower (active and inactive records). Includes up to 2 VOI or VOE, plus 1x manual VOI/E, and IRS Transcript (4506-C).
Best For: Verifiers who may need to verify income and/or employment from multiple sources (for one borrower).
mortgage complete™
Provides available income and employment records dating back 24-months from the request (active and inactive records). Includes up to 2 VOI or VOE, plus 1x manual VOI/E, and IRS Transcript (4506-C) (for a borrower and a co-borrower).
Best For: Verifiers who may need to verify income and/or employment from multiple sources (for a borrower and a co-borrower).
mortgage complete duo™
Mortgage Preferred™
Mortgage Ultimate™
Mortgage Duo™
Mortgage Complete™
Mortgage
Complete Duo™
Provides available income and employment records dating back 60-days from the request, as well as available inactive records going back 24 months.
Best For: Verifiers wanting the most recent income and employment records, and access to historical payroll data.
mortgage preferred™
Provides available income and employment records dating back 90-days from the request, as well as available inactive records going back 24 months ( up to 4 verifications with the same filters (VOI or VOE) included).
Best For: Verifiers needing multiple income and/or employment verifications during loan origination.
mortgage ultimate™
VOI
Provides available income and employment records dating back 24-months from the request, for a borrower and co-borrower (active and inactive records). Includes an additional VOI or VOE for both borrowers.
Best For: Verifiers needing to obtain income and/or employment verification for a borrower and a co-borrower.
mortgage duo™
Provides available income and employment records dating back 24-months from the request, for a borrower (active and inactive records). Includes up to 2 VOI or VOE, plus 1x manual VOI/E, and IRS Transcript (4506-C).
Best For: Verifiers who may need to verify income and/or employment from multiple sources (for one borrower).
mortgage complete™
Provides available income and employment records dating back 24-months from the request (active and inactive records). Includes up to 2 VOI or VOE, plus 1x manual VOI/E, and IRS Transcript (4506-C) (for a borrower and a co-borrower).
Best For: Verifiers who may need to verify income and/or employment from multiple sources (for a borrower and a co-borrower).
mortgage complete duo™
Provides a 24-month view of a borrower’s income and employment history (active and inactive records).
Best For: Verifiers needing to obtain the 2 years of available income and employment history data required by standard Government-sponsored Enterprises (GSE) guidelines.
All Employers Within 24 Months™
Provides a 36-month view of a borrower’s income and employment history (active and inactive records).
Best For: Verifiers needing to obtain the 2 years of available income and employment history data required by standard Government-sponsored Enterprises (GSE) guidelines.
All Employers Within 36 Months™