Day 1 Certainty® and AIM
Achieve Day 1 Certainty® and AIM eligibility through Argyle income and employment verifications.
Overview#
Argyle's income and employment verification reports provide lenders an automated way to achieve:
- Day 1 Certainty® through Fannie Mae's Desktop Underwriter® (DU®) validation service.
- Assessment of borrower income and employment through Freddie Mac's asset and income modeler (AIM).
Reach out to your Customer Success Manager to enable Argyle's Day 1 Certainty and AIM functionality.
- Borrowers connect their payroll accounts through Argyle.
- Argyle generates verification reports from the borrowers' payroll data.
- Lenders submit the reference number listed on Argyle's verification reports to Fannie Mae's DU validation service and/or Freddie Mac's Loan Product Advisor® (LPASM℠) along with the loan casefiles.
Fannie Mae and Freddie Mac will automatically receive a copy of Argyle's verification reports and the underlying income and employment data. After the information is validated, Day 1 Certainty and AIM eligibility will be delivered for eligible loans.
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.
- Select Generate report.
Locating 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® and Freddie Mac for AIM eligibility determinations.
API#
Webhooks#
Argyle provides a reports.ready
webhook that will notify you when sufficient data has been retrieved from the borrower's connected payroll account(s) to generate a verification report.
You can subscribe to this webhook 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.ready"], 3 "name": "My webhook", 4 "url": "https://your-webhook-backend.com", 5 "secret": "<secret for signature verification>" // Optional. 6}
The reports.ready
webhook's payload provides a list of the borrower's payroll accounts that have synced a sufficient amount of data to be used in the report.
The accounts.connected and accounts.failed webhooks can be used to track multiple account connections. Compare them to the accounts listed in the reports.ready
webhook payload to determine when to generate a report.
1{ 2 "event": "reports.ready", 3 "name": "name-for-the-webhook-subscription", 4 "data": { 5 "user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69", 6 "external_id": "March Connection", 7 "accounts": [ 8 { 9 "id": "0185a8b8-60eb-80ca-7482-5f24504573f7", 10 "last_synced_at": "2024-01-08T12:55:04.016059Z" 11 }, 12 { 13 "id": "0187c66e-e7e5-811c-b006-2232f00f426a", 14 "last_synced_at": "2024-01-08T12:58:06.023659Z" 15 } 16 ] 17 } 18}
Requesting verification reports#
Send a POST request to the reports endpoint — https://api.argyle.com/v2/reports/voie-mortgage
The report type is specified in the request path — e.g. /voie-mortgage
or /voe-mortgage
In the API request body, include a JSON object in the format below:
1{ 2 "user": "018b8255-4ab1-be4b-aa2c-e9ff41d75809" // ID of the user 3}
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 is also the Reference #
that can be submitted to Fannie Mae and/or Freddie Mac.
1{ 2 "id": "e0dbf946-a400-419c-946f-0adc7b5fbe36", // ID of the report 3 "user": "018b8255-4ab1-be4b-aa2c-e9ff41d75809", 4 "reference_id": "e0dbf946-a400-419c-946f-0adc7b5fbe36", 5 "generated_at": "2024-01-23T20:46:03.254513Z", 6 "created_at": "2024-01-23T20:46:03.254513Z", 7 "type": "voie-mortgage", 8 "status": "generating", 9 "file_url": "www.argyle.com/storagename/pdf", 10 "json_url": "www.argyle.com/storagename/json", 11 "accounts": [ 12 { 13 "id": "0185a8b8-60eb-80ca-7482-5f24504573f7", 14 "item": "item_123456789", 15 "last_synced_at": "2024-01-08T12:55:04.016059Z" 16 }, 17 { 18 "id": "0187c66e-e7e5-811c-b006-2232f00f426a", 19 "item": "item_000000001", 20 "last_synced_at": "2024-01-08T12:58:06.023659Z" 21 } 22 ], 23 "metadata": {}, 24 "last_synced_at": "2024-01-08T12:58:06.023659Z", 25 "external_id": "March Connection" 26}
Retrieving 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:
- An
id
field with theReference #
that can be submitted to both Fannie Mae and Freddie Mac. - A
metadata
object containing the eligible accounts and employments (as determined by Fannie Mae and Freddie Mac's guidelines) that were included in the report.
1{ 2 "id": "e0dbf946-a400-419c-946f-0adc7b5fbe36", // Reference number 3 "user": "018b8255-4ab1-be4b-aa2c-e9ff41d75809", 4 "reference_id": "e0dbf946-a400-419c-946f-0adc7b5fbe36", 5 "generated_at": "2024-01-23T20:46:03.254513Z", 6 "created_at": "2024-01-23T20:46:03.254513Z", 7 "type": "voie-mortgage", 8 "status": "generated", 9 "file_url": "www.argyle.com/storagename/pdf", 10 "json_url": "www.argyle.com/storagename/json", 11 "last_synced_at": "2024-01-22T16:44:25.889Z", 12 "accounts": [ 13 { 14 "id": "0185a8b8-60eb-80ca-7482-5f24504573f7", 15 "item": "item_123456789", 16 "last_synced_at": "2024-01-08T12:55:04.016059Z" 17 }, 18 { 19 "id": "0187c66e-e7e5-811c-b006-2232f00f426a", 20 "item": "item_000000001", 21 "last_synced_at": "2024-01-08T12:58:06.023659Z" 22 } 23 ], 24 "metadata": { 25 "d1c_report": { 26 "status": "available", 27 "accounts": [ 28 "0185a8b8-60eb-80ca-7482-5f24504573f7", // D1C eligible account 29 "0187c66e-e7e5-811c-b006-2232f00f426a", // D1C eligible account 30 ], 31 "employments": [ 32 "b967118b-7d81-3c1b-bce0-c24d631cf5aa", 33 "c235635a-5c55-2b8e-eba5-d99a326ad7ea", 34 ] 35 }, 36 "aim_report": { 37 "status": "available", 38 "accounts": [ 39 "0185a8b8-60eb-80ca-7482-5f24504573f7", // AIM eligible account 40 "0187c66e-e7e5-811c-b006-2232f00f426a", // AIM eligible account 41 ], 42 "employments": [ 43 "b967118b-7d81-3c1b-bce0-c24d631cf5aa", 44 "c235635a-5c55-2b8e-eba5-d99a326ad7ea" 45 ] 46 } 47 }, 48 "external_id": null 49}
If the loan is not eligible for Day 1 Certainty and/or AIM, not_available
will be shown in the metadata
object in the respective area:
1"metadata": { 2 "d1c_report": { 3 "status": "not_available", 4 "accounts": [], 5 "employments": [] 6 }, 7 "aim_report": { 8 "status": "not_available", 9 "accounts": [], 10 "employments": [] 11 } 12}
If you are retrieving a report's contents in JSON format via the report's json_url
, the report_id
field will list the Reference #
:
1{ 2 "report_id": "e0dbf946-a400-419c-946f-0adc7b5fbe36", // Reference number 3 "type": "voie-mortgage", 4 "user_id": "018051aa-f7a9-a0db-2f38-6cfa325e9d69", 5 "external_id": "March Connection", 6 "created_at": "2024-03-15T18:44:53.830Z", 7 "last_synced_at": "2024-01-08T12:58:06.023659Z", 8 "metadata": { 9 "d1c_report": { 10 "status": "available", 11 "accounts": [ 12 "0185a8b8-60eb-80ca-7482-5f24504573f7", 13 "0187c66e-e7e5-811c-b006-2232f00f426a", 14 ], 15 "employments": [ 16 "b967118b-7d81-3c1b-bce0-c24d631cf5aa", 17 "c235635a-5c55-2b8e-eba5-d99a326ad7ea", 18 ] 19 }, 20 "aim_report": { 21 "status": "available", 22 "accounts": [ 23 "0185a8b8-60eb-80ca-7482-5f24504573f7", 24 "0187c66e-e7e5-811c-b006-2232f00f426a", 25 ], 26 "employments": [ 27 "b967118b-7d81-3c1b-bce0-c24d631cf5aa", 28 "c235635a-5c55-2b8e-eba5-d99a326ad7ea" 29 ] 30 } 31 }, 32 "employments": [ 33 { 34 "employment": "b967118b-7d81-3c1b-bce0-c24d631cf5aa", 35 "account": "0185a8b8-60eb-80ca-7482-5f24504573f7", 36 "last_synced_at": "2024-01-08T12:55:04.016059Z", 37 "source": "Worknight", 38 "first_name": "Bob", 39 "last_name": "Jones", 40 "full_name": "Bob Jones", 41 "birth_date": "1980-10-10", 42 "ssn": "522-09-1191", 43 "phone_number": "+18009000010", 44 "email": "[email protected]", 45 "employee_address": { 46 "line1": "342 Fence Rd", 47 "line2": null, 48 "city": "New York", 49 "state": "NY", 50 "postal_code": "10014", 51 "country": "US" 52 }, 53 "employer": "Whole Goods", 54 "employer_address": { 55 "line1": "852 North W St", 56 "line2": null, 57 "city": "New York", 58 "state": "NY", 59 "postal_code": "10014", 60 "country": "US" 61 }, 62 "status": "active", 63 "employment_type": "full-time", 64 "job_title": "Store Manager", 65 "base_pay": { 66 "amount": "75372.62", 67 "currency": "USD", 68 "period": "annual" 69 }, 70 "pay_cycle": "monthly", 71 "start_date": "2020-08-28", 72 "original_hire_date": "2020-08-28", 73 "end_date": null, 74 "length_of_work": { 75 "years": "2", 76 "months": "6" 77 }, 78 "last_pay_period_end_date": "2023-03-22", 79 "last_paystub_date": "2023-03-24", 80 "income": [ 81 { 82 "period": "2023", 83 "currency": "USD", 84 "gross_pay": { 85 "total": "25124.20", 86 "base": "25124.20", 87 "overtime": "0.00", 88 "commission": "0.00", 89 "bonus": "0.00", 90 "other": "0.00" 91 } 92 }, 93 { 94 "period": "2022", 95 "currency": "USD", 96 "gross_pay": { 97 "total": "82866.32", 98 "base": "81653.65", 99 "overtime": "0.00", 100 "commission": "881.09", 101 "bonus": "331.58", 102 "other": "0.00" 103 } 104 }, 105 { 106 "period": "2021", 107 "currency": "USD", 108 "gross_pay": { 109 "total": "87854.76", 110 "base": "81653.65", 111 "overtime": "5774.51", 112 "commission": "426.60", 113 "bonus": "0.00", 114 "other": "0.00" 115 } 116 } 117 ], 118 "monthly_income:": { 119 "argyle": { 120 "total": "7102.33", 121 "base": "6902.55", 122 "overtime": "165.94", 123 "bonus": "5.22", 124 "commission": "28.62", 125 "other": "0.00" 126 } 127 } 128 }, 129 { 130 "employment": "c235635a-5c55-2b8e-eba5-d99a326ad7ea", 131 "account": "0187c66e-e7e5-811c-b006-2232f00f426a", 132 "last_synced_at": "2024-01-08T12:58:06.023659Z", 133 "source": "Bullseye", 134 "first_name": "Bob", 135 "last_name": "Jones", 136 "full_name": "Bob Jones", 137 "birth_date": "1980-10-10", 138 "ssn": "522-09-1191", 139 "phone_number": "+18009000010", 140 "email": "[email protected]", 141 "employee_address": { 142 "line1": "342 Fence Rd", 143 "line2": null, 144 "city": "New York", 145 "state": "NY", 146 "postal_code": "10014", 147 "country": "US" 148 }, 149 "employer": "Bullseye", 150 "employer_address": { 151 "line1": "119 Green Ridge", 152 "line2": null, 153 "city": "New York", 154 "state": "NY", 155 "postal_code": "10014", 156 "country": "US" 157 }, 158 "status": "active", 159 "employment_type": "part-time", 160 "job_title": "Clerk", 161 "base_pay": { 162 "amount": "61030.57", 163 "currency": "USD", 164 "period": "annual" 165 }, 166 "pay_cycle": "monthly", 167 "start_date": "2020-06-29", 168 "original_hire_date": "2020-06-29", 169 "end_date": null, 170 "length_of_work": { 171 "years": "2", 172 "months": "9" 173 }, 174 "last_pay_period_end_date": "2023-02-23", 175 "last_paystub_date": "2023-02-24", 176 "income": [ 177 { 178 "period": "2023", 179 "currency": "USD", 180 "gross_pay": { 181 "total": "20848.92", 182 "base": "20343.52", 183 "overtime": "0.00", 184 "commission": "0.00", 185 "bonus": "505.40", 186 "other": "0.00" 187 } 188 }, 189 { 190 "period": "2022", 191 "currency": "USD", 192 "gross_pay": { 193 "total": "68070.08", 194 "base": "66116.44", 195 "overtime": "0.00", 196 "commission": "777.54", 197 "bonus": "1176.10", 198 "other": "0.00" 199 } 200 }, 201 { 202 "period": "2021", 203 "currency": "USD", 204 "gross_pay": { 205 "total": "68378.52", 206 "base": "66116.44", 207 "overtime": "0.00", 208 "commission": "641.94", 209 "bonus": "1620.14", 210 "other": "0.00" 211 } 212 } 213 ], 214 "monthly_income": { 215 "argyle": { 216 "total": "5683.51", 217 "base": "5512.92", 218 "overtime": "0.00", 219 "bonus": "119.51", 220 "commission": "51.08", 221 "other": "0.00" 222 } 223 } 224 } 225 ] 226}
Encompass#
Visit the Day 1 Certainty® and AIM section of our Encompass Guide for more information on submitting reference numbers through the Encompass® by ICE Mortgage Technology® platform.
Empower#
Visit the Day 1 Certainty® and AIM section of our Empower Guide for more information on submitting reference numbers through the Empower® LOS platform.
MeridianLink#
Reference numbers can be submitted for Day 1 Certainty® through the MeridianLink® LOS platform.
- Copy a
Reference #
from an Argyle verification report. - Within the MeridianLink® LOS:
- Open the Services dropdown in the left sidebar and select Submit to DO / DU.
- In the DU Validation section:
- Select
Argyle
as the 3rd Party Data Provider Name. - Insert the
Reference #
from Argyle's report into the Reference Number field.
- Select
- Submit the loan to Fannie Mae's DU® validation service.
LendingPad#
- Select Income Asset Verification from the Loan Application dropdown.
- Select
Income
as the Type. - Select
Argyle
as the Contact. - Copy a
Reference #
from an Argyle verification report.. - Paste the
Reference #
as the Identifier. - Submit the loan file for AUS as normal.
Byte#
BytePro's Fannie Mae and Freddie Mac LPA interfaces let you reissue verifications via Verification Services.
- Select
Interfaces > Fannie Mae
orInterfaces > Freddie Mac
- Select either:
DO
orDU XIS
for Fannie MaeLPA System-to-System
for Freddie Mac
- Proceed to Verification Services.
- On the Edit Service Order screen:
- Select your
Vendor Type
- Use
Other
+Argyle
for Fannie Mae - Use
Other
+ARGL
for Freddie Mac
- Use
- Select your
Verification Type
- Select
Income
- Select
- Input the
Reference Number
- Include the borrower's
Social Security Number
before Argyle'sReference Number
- Use a colon
:
separator:- For example:
1112224444:018d226-945d-64c6-1a0e-c10ab893707e
- For example:
- Values are case-sensitive and may include non-alphanumeric characters such as hyphens
- Include the borrower's
- Select your