Empower

Verify income and employment within the Empower® LOS platform.

Overview#

Entirely within the Empower® Loan Origination Platform, you can verify income and employment using Argyle's direct connections to U.S. employee payroll accounts.

• Generate Verification of Income and Verification of Employment reports.
• Access and view W-2's and paystubs from connected payroll accounts.
• Re-verify employment prior to final closing.

How it works#

1. Loan officers select Argyle as the Exchange Verification provider and choose a product:
   • Initial Verification of Income (VOI) and Verification of Employment (VOE)
   • Re-verification of Employment (VOE only)
2. After submitting a verification order, the borrower is invited to connect their payroll accounts through Argyle.
3. The following documents are made available in the Empower® Document Repository:
   • VOI and VOE report PDFs
   • The borrower's last two W-2s
   • The borrower's paystubs from the last 30 days

Enabling the integration#

1. Reach out to your Empower® account representative to enable Argyle's verification of income and employment integration.

2. Once you receive your Party IDs from Empower®, go to the Integrations section of Argyle Console and Enable the integration.

   

3. Enter your UAT (testing) and Production Party IDs.

4. (Optional) Select Edit Configuration to adjust the Flow (borrower's payroll connection experience) used in your Empower integration. Custom Flows can be created by selecting + New Flow in the Flows section of Argyle Console.

Ordering a verification#

1. Select Exchange Verifications from within a loan file and Begin a New Order (Service Request).

2. Choose Argyle as the verification Provider.

3. Select a verification Product — VOE/VOI or Employment Re-verification.

4. Choose Conventional as the Program Code.

5. In the Additional Property Information section, within the Contact Type dropdown select Primary Borrower.

   Argyle does not currently support multi-borrower orders — we recommend restricting verification orders to one borrower at a time through your Empower settings.

6. Input the Full Name, E-Mail Address, and Day Phone of the borrower (if not already auto-populated).

7. In the Loan Information section, within the Contact Type dropdown select either Processor or Underwriter depending on the loan officer's role.

8. Input the Full Name, E-Mail Address, and Day Phone of the loan officer (if not already auto-populated).

9. In the Borrower Information section, within the Primary Borrower dropdown select the [Name] of the primary borrower.

10. Click Validate Submission Data in the toolbar to ensure all required fields have been filled.

11. Click Submit Request in the toolbar. An Order Status of Ordered submitted followed by Order acknowledged will appear at the bottom of the page.

12. After an order is submitted, the borrower will be invited via text (SMS) and email to connect their payroll account(s) through Argyle.

    

(Optional) Event notifications#

Ask your Empower® admin to set up event notifications, so when different events are received (such as a 150 — Product Delivered event) loan officers are notified that Argyle verifications reports and the borrower's payroll documents are now available in the Empower® Document Repository.

Retrieving reports and documents#

Select Document Repository in the sidebar to view VOI and VOE reports, W-2s, and paystubs retrieved from the borrower's payroll account(s) once an order has completed.

Day 1 Certainty®#

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.

To submit a DU reference number for a loan through Empower®:

1. Ensure your Empower integration is configured to use Argyle with Fannie Mae's DU validation service.

   • Empower's Argyle Configuration Guide (PDF).

2. 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:

   

3. Open Desktop Underwriter from the sidebar, then click Asset Verification IDs in the toolbar.

4. Select a borrower from the Borrower Name dropdown, then click Add.

5. Select Argyle (DU Only) from the Asset Verification Provider dropdown. Then enter the DU reference number in the Asset Verification ID field.

For further assistance or specific feature requests, please reach out to [email protected] or your Customer Success Manager.