Fannie Mae DU® validation service

Achieve Day 1 Certainty® from Fannie Mae through Argyle income and employment verifications.

Overview#

Fannie Mae's Desktop Underwriter® (DU®) validation service provides lenders an automated way to achieve Day 1 Certainty® using Argyle's income and employment verification reports.

  1. Borrowers connect their payroll accounts through Argyle.
  2. Argyle generates verification reports from the borrowers' payroll data.
  3. Lenders submit the reference number listed on Argyle's verification reports to the DU validation service along with the loan casefiles.

DU will automatically receive a copy of Argyle's verification reports and the underlying income and employment data. After the information is validated, Fannie Mae will deliver Day 1 Certainty for eligible loans.

Please reach out to your Customer Success Manager to enable Argyle's Day 1 Certainty functionality.

Console#

Generating verification reports#

  1. After a borrower has connected their payroll account(s), go to the Connections section of Console.
  2. Select the individual borrower from the Connections table.
  3. Generate a verification report — the borrower's social security number (SSN) is required but will already be auto-populated.
Important

To determine Day 1 Certainty eligibility for Verification of Employment reports, Fannie Mae requires a Verification of Income & Employment report to have previously been generated.

Locating DU reference numbers#

A Reference # will be listed at the top of Argyle's verification report that can be submitted to Fannie Mae for Day 1 Certainty® eligibility determination.

API#

Webhooks#

Argyle provides two webhooks that notify you when a borrower's payroll account(s) have been connected and an Argyle verification report can be generated from the available data.

  1. reports.d1c_data_ready
    • A verification report can be generated from the available data.
    • The loan is eligible for Day 1 Certainty.
  2. reports.d1c_data_incomplete
    • A verification report can be generated from the available data.
    • The loan is not eligible for Day 1 Certainty.

You can subscribe to these webhooks via Console, or via the API by sending a POST request to https://api.argyle.com/v2/webhooks. In the API request body, include a JSON object in the following format:

1{
2    "events": ["reports.d1c_data_ready", "reports.d1c_data_incomplete"],
3    "name": "My Day 1 Certainty Webhooks",
4    "url": "https://your-webhook-backend.com",
5    "secret": "<secret for signature verification>"     // Optional.
6}

When a verification report is ready to be generated, you will receive one of the two webhooks (depending on whether the loan is eligible for Day 1 Certainty). Either webhook you receive will contain a JSON payload in the following format:

1{
2  "event": "reports.d1c_data_ready <OR> reports.d1c_data_incomplete",
3  "name": "My Day 1 Certainty Webhooks",
4  "data": {
5    "user": {
6      "id": "018b8355-4cb1-ba4b-ae3c-e9fc41d75719",
7      "items_connected": ["item_000000001"],
8      "employers_connected": ["Whole Goods"],
9      "external_metadata": {},
10      "created_at": "2024-01-23T20:45:09.682807Z"
11    }
12  }
13}

Requesting verification reports#

Important

To determine Day 1 Certainty eligibility for Verification of Employment reports, Fannie Mae requires a Verification of Income & Employment report to have previously been generated.

Send a POST request to the reports endpointhttps://api.argyle.com/v2/reports

In the API request body, include a JSON object in the format below.

  • Use voie-d1c as the type to generate a Verification of Income & Employment (VOIE) report.
  • Use voe-d1c as the type to generate a Verification of Employment (VOE) report.
1{
2    "user": "018b8255-4ab1-be4b-aa2c-e9ff41d75809",   // ID of the user
3    "type": "voie-d1c",
4    "inputs": {
5        "ssn": "522-09-1191"  // retrievable through the Identities endpoint
6    }
7}

The initial API response will include the id of the report. After the report is generated, this id can be used to retrieve the report and its associated DU reference number.

1{
2    "id": "e0dbf946-a400-419c-946f-0adc7b5fbe36",   // ID of the report
3    "reference_id": "VOIE-D1Ce0dbf946",
4    "generated_at": null,
5    "type": "voie-d1c",
6    "user": "018b8255-4ab1-be4b-aa2c-e9ff41d75809",
7    "status": "generating",
8    "file_url": null,
9    "metadata": {}
10}

Retrieving DU reference numbers#

Send a GET request to the reports endpoint — https://api.argyle.com/v2/reports/{id}

Include the id of the report as the path parameter.

The report object returned in the API response will contain:

  • The DU reference number in the id field of the metadata object.
  • Which accounts were used to populate the D1C report in the accounts array within the metadata object.
1{
2    "id": "e0dbf946-a400-419c-946f-0adc7b5fbe36",
3    "reference_id": "VOIE-D1Ce0dbf946",
4    "generated_at": "2024-01-23T20:46:03.254513Z",
5    "type": "voie-d1c",
6    "user": "018b8255-4ab1-be4b-aa2c-e9ff41d75809",
7    "status": "generated",
8    "file_url": "www.argyle.com/storagename",
9    "last_synced_at": "2024-01-22T16:44:25.889Z",
10    "accounts": [
11        {
12            "id": "023c211a-b4f9-2df5-f015-4aa8bd52a748",
13            "item": "item_000000001",
14            "last_synced_at": "2024-01-22T16:44:25.889Z"
15        }
16    ],
17    "metadata": {
18        "d1c_report": {
19            "id": "e0dbf946-a400-419c-946f-0adc7b5fbe36", // DU reference number
20            "ssn": "522-09-1191",
21            "accounts": [
22                "023c211a-b4f9-2df5-f015-4aa8bd52a748"    // D1C eligible account
23            ]
24        }
25    },
26    "external_id": null
27}

If the loan is not eligible for Day 1 Certainty, a data_incomplete error will be shown in the metadata object:

1"metadata": {
2    "d1c_report": {
3        "error": "data_incomplete",
4        "ssn": "522-09-1191"
5    }
6}

If the report is still in the process of being generated, a processing error will be shown in the metadata object:

1"metadata": {
2    "d1c_report": {
3        "error": "processing",
4        "ssn": "522-09-1191"
5    }
6}

If you are retrieving a report's contents in JSON format via the API, the d1c_id field will list the DU reference number:

If the loan is not eligible for Day 1 Certainty, the d1c_id field will not be present.

1{
2    "type": "voie-d1c",
3    "report_id": "e0dbf946-a400-419c-946f-0adc7b5fbe36",
4    "user_id": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
5    "external_id": null,
6    "generated_at": "2024-03-15T18:44:53.830Z",
7    "last_synced_at": "2024-03-15T18:44:47.295Z",
8    "d1c_id": "e0dbf946-a400-419c-946f-0adc7b5fbe36",  // DU reference number
9    "metadata": {
10        "d1c_report": {
11            "id": "e0dbf946-a400-419c-946f-0adc7b5fbe36",
12            "ssn": "522-09-1191",
13            "accounts": [
14                "018728a3-afee-5288-8e8a-c68ceb591359"  // D1C eligible account
15            ]
16        }
17    },
18    "accounts": [
19        {
20            "account": "018728a3-afee-5288-8e8a-c68ceb591359",
21            "source": "Worknight",
22            "first_name": "Bob",
23            "last_name": "Jones",
24            "full_name": "Bob Jones",
25            "birth_date": "1980-10-10",
26            "ssn": "522-09-1191",
27            "phone_number": "+18009000010",
28            "email": "[email protected]",
29            "employer": "Whole Goods",
30            "employee_address": {
31                "city": "New York",
32                "country": "US",
33                "state": "NY",
34                "postal_code": "10014",
35                "line1": "342 Fence Rd",
36                "line2": null
37            },
38            "employer_address": {
39                "city": "New York",
40                "country": "US",
41                "state": "NY",
42                "postal_code": "10014",
43                "line1": "852 North W St",
44                "line2": null
45            },
46            "status": "active",
47            "employment_type": "full-time",
48            "job_title": "Store Manager",
49            "original_hire_date": "2020-08-28",
50            "start_date": "2020-08-28",
51            "end_date": null,
52            "last_pay_period_end_date": "2024-03-11",
53            "last_paystub_date": "2024-03-14",
54            "base_pay": {
55                "amount": "75372.62",
56                "currency": "USD",
57                "period": "annual"
58            },
59            "pay_cycle": "monthly",
60            "income": [
61                {
62                    "period": "2024",
63                    "currency": "USD",
64                    "employer": "Whole Goods",
65                    "gross_pay": {
66                        "total": 18260.04,
67                        "base": 18260.04,
68                        "overtime": 0,
69                        "commission": 0,
70                        "bonus": 0,
71                        "other": 0
72                    }
73                },
74                {
75                    "period": "2023",
76                    "currency": "USD",
77                    "employer": "Whole Goods",
78                    "gross_pay": {
79                        "total": 81774.26,
80                        "base": 79126.84,
81                        "overtime": 0,
82                        "commission": 1946.16,
83                        "bonus": 701.26,
84                        "other": 0
85                    }
86                },
87                {
88                    "period": "2022",
89                    "currency": "USD",
90                    "employer": "Whole Goods",
91                    "gross_pay": {
92                        "total": 85293.56,
93                        "base": 79126.84,
94                        "overtime": 4360.2,
95                        "commission": 459.43,
96                        "bonus": 1347.09,
97                        "other": 0
98                    }
99                }
100            ]
101        }
102    ],
103    "income_totals": [
104        {
105            "period": "2024",
106            "period_total": {
107                "currency": "USD",
108                "gross_pay": {
109                    "total": 18260.04,
110                    "base": 18260.04,
111                    "overtime": 0,
112                    "commission": 0,
113                    "bonus": 0,
114                    "other": 0
115                }
116            }
117        },
118        {
119            "period": "2023",
120            "period_total": {
121                "currency": "USD",
122                "gross_pay": {
123                    "total": 81774.26,
124                    "base": 79126.84,
125                    "overtime": 0,
126                    "commission": 1946.16,
127                    "bonus": 701.26,
128                    "other": 0
129                }
130            }
131        },
132        {
133            "period": "2022",
134            "period_total": {
135                "currency": "USD",
136                "gross_pay": {
137                    "total": 85293.56,
138                    "base": 79126.84,
139                    "overtime": 4360.2,
140                    "commission": 459.43,
141                    "bonus": 1347.09,
142                    "other": 0
143                }
144            }
145        }
146    ]
147}

Encompass#

Visit the Day 1 Certainty section of our Encompass Guide for more information on submitting DU reference numbers through the Encompass® by ICE Mortgage Technology® platform.

Empower#

Visit the Day 1 Certainty section of our Empower Guide for more information on submitting DU reference numbers through the Empower® LOS platform.

DU reference numbers can be submitted through the MeridianLink® LOS platform.

  1. Copy a Reference # from an Argyle verification report.
  2. Within the MeridianLink® LOS:
    1. Open the Services dropdown in the left sidebar and select Submit to DO / DU.
    2. In the DU Validation section:
      1. Select Argyle as the 3rd Party Data Provider Name.
      2. Insert the Reference # from Argyle's report into the Reference Number field.
    3. Submit the loan to Fannie Mae's DU® validation service.
Updating Argyle status...
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