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.
- Borrowers connect their payroll accounts through Argyle.
- Argyle generates verification reports from the borrowers' payroll data.
- Lenders submit the DU reference numbers 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#
- After a borrower has connected their payroll account(s), go to the Connections section of Console.
- Select the individual borrower from the Connections table.
- Generate a verification report — the borrower's social security number (SSN) is required but will already be auto-populated.
Locating DU reference numbers#
If a loan is eligible for Day 1 Certainty based on the borrower's income and employment data, a DU reference number will be listed at the top of the verification report.
If a loan is not eligible for Day 1 Certainty, a DU reference number will not be listed on the verification report.
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.
reports.d1c_data_ready- A verification report can be generated from the available data.
- The loan is eligible for Day 1 Certainty.
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#
Send a POST request to the reports endpoint — https://api.argyle.com/v2/reports
In the API request body, include a JSON object in the format below.
- Use
voie-d1cas thetypeto generate a Verification of Income & Employment (VOIE) report. - Use
voe-d1cas thetypeto 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 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": "014c2163-5d5d-653c-c917-2c6e6cc2b8ee", // DU reference number 20 "ssn": "522-09-1191" 21 } 22 }, 23 "external_id": null 24}
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_idfield will not be present. - The report PDF will say
DU Reference #: Not eligible.
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": "014c2163-5d5d-653c-c917-2c6e6cc2b8ee", // DU reference number
9 "accounts": [
10 {
11 "account": "018728a3-afee-5288-8e8a-c68ceb591359",
12 "full_name": "Bob Jones",
13 "birth_date": "1980-10-10",
14 "ssn": "522-09-1191",
15 "phone_number": "+18009000010",
16 "email": "[email protected]",
17 "employer": "Whole Goods",
18 "employee_address": {
19 "city": "New York",
20 "country": "US",
21 "state": "NY",
22 "postal_code": "10014",
23 "line1": "342 Fence Rd",
24 "line2": null
25 },
26 "employer_address": {
27 "city": "New York",
28 "country": "US",
29 "state": "NY",
30 "postal_code": "10014",
31 "line1": "852 North W St",
32 "line2": null
33 },
34 "status": "active",
35 "job_title": "Store Manager",
36 "start_date": "2020-08-28",
37 "end_date": null,
38 "last_pay_period_end_date": "2024-03-11",
39 "last_paystub_date": "2024-03-14",
40 "base_pay": {
41 "amount": "75372.62",
42 "currency": "USD",
43 "period": "annual"
44 },
45 "pay_cycle": "monthly",
46 "income": [
47 {
48 "period": "2024",
49 "currency": "USD",
50 "employer": "Whole Goods",
51 "gross_pay": {
52 "total": 18260.04,
53 "base": 18260.04,
54 "overtime": 0,
55 "commission": 0,
56 "bonus": 0,
57 "other": 0
58 }
59 },
60 {
61 "period": "2023",
62 "currency": "USD",
63 "employer": "Whole Goods",
64 "gross_pay": {
65 "total": 81774.26,
66 "base": 79126.84,
67 "overtime": 0,
68 "commission": 1946.16,
69 "bonus": 701.26,
70 "other": 0
71 }
72 },
73 {
74 "period": "2022",
75 "currency": "USD",
76 "employer": "Whole Goods",
77 "gross_pay": {
78 "total": 85293.56,
79 "base": 79126.84,
80 "overtime": 4360.2,
81 "commission": 459.43,
82 "bonus": 1347.09,
83 "other": 0
84 }
85 }
86 ]
87 }
88 ],
89 "income_totals": [
90 {
91 "period": "2024",
92 "period_total": {
93 "currency": "USD",
94 "gross_pay": {
95 "total": 18260.04,
96 "base": 18260.04,
97 "overtime": 0,
98 "commission": 0,
99 "bonus": 0,
100 "other": 0
101 }
102 }
103 },
104 {
105 "period": "2023",
106 "period_total": {
107 "currency": "USD",
108 "gross_pay": {
109 "total": 81774.26,
110 "base": 79126.84,
111 "overtime": 0,
112 "commission": 1946.16,
113 "bonus": 701.26,
114 "other": 0
115 }
116 }
117 },
118 {
119 "period": "2022",
120 "period_total": {
121 "currency": "USD",
122 "gross_pay": {
123 "total": 85293.56,
124 "base": 79126.84,
125 "overtime": 4360.2,
126 "commission": 459.43,
127 "bonus": 1347.09,
128 "other": 0
129 }
130 }
131 }
132 ]
133}
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.
MeridianLink#
DU reference numbers can be submitted through the MeridianLink® LOS platform.
- Copy a DU reference number from an Argyle verification report.
- Select
Argyleas the verification vendor within the MeridianLink® LOS. - Insert the DU reference number into the appropriate identifier field.
- Submit the loan through Fannie Mae's DU® validation service.