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.
- Generate a verification report — the borrower's social security number (SSN) is required but will already be auto-populated.
To determine Day 1 Certainty eligibility for Verification of Employment reports, a Verification of Income & Employment report must have previously been generated.
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 the following webhook that will notify you when a borrower's payroll account(s) have been connected, their data has been fully retrieved, and an Argyle verification report can be generated from the available data:
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": ["users.fully_synced"], 3 "name": "My webhook", 4 "url": "https://your-webhook-backend.com", 5 "secret": "<secret for signature verification>" // Optional. 6}
The users.fully_synced webhook's payload provides a list of the borrower's connected accounts that have fully synced (data retrieval has completed). You can track which accounts a borrower has connected by using the onAccountConnected Link callback and match them to the accounts listed in the users.fully_synced webhook.
1{ 2 "event": "users.fully_synced", 3 "name": "name-for-the-webhook-subscription", 4 "data": { 5 "user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69", 6 "resource": { 7 "id": "018051aa-f7a9-a0db-2f38-6cfa325e9d69", 8 "accounts_connected": [ 9 "0185a8b8-60eb-80ca-7482-5f24504573f7", 10 "0187c66e-e7e5-811c-b006-2232f00f426a" 11 ], 12 "items_connected": [ 13 "item_000000001", 14 "item_000000002" 15 ], 16 "employers_connected": [ 17 "Whole Goods", 18 "Bullseye" 19 ], 20 "external_metadata": {}, 21 "external_id": "July_Connection", 22 "created_at": "2023-04-27T07:02:01.279Z" 23 } 24 } 25}
Requesting verification reports#
To determine Day 1 Certainty eligibility for Verification of Employment reports, a Verification of Income & Employment report must have previously been generated.
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:
1{ 2 "user": "018b8255-4ab1-be4b-aa2c-e9ff41d75809", // ID of the user 3 "type": "voie-mortgage", 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 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 "reference_id": "e0dbf946-a400-419c-946f-0adc7b5fbe36", 4 "generated_at": null, 5 "type": "voie-mortgage", 6 "user": "018b8255-4ab1-be4b-aa2c-e9ff41d75809", 7 "status": "generating", 8 "file_url": null, 9 "metadata": {} 10}
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
idfield with theReference #that can be submitted to both Fannie Mae and Freddie Mac. - A
metadataobject containing the eligible accounts (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 "reference_id": "e0dbf946-a400-419c-946f-0adc7b5fbe36", 4 "generated_at": "2024-01-23T20:46:03.254513Z", 5 "type": "voie-mortgage", 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", // Reference number 20 "ssn": "522-09-1191", 21 "accounts": [ 22 "023c211a-b4f9-2df5-f015-4aa8bd52a748" // D1C eligible account 23 ] 24 }, 25 "aim_report": { 26 "id": "e0dbf946-a400-419c-946f-0adc7b5fbe36", // Reference number 27 "ssn": "522-09-1191", 28 "accounts": [ 29 "023c211a-b4f9-2df5-f015-4aa8bd52a748" // AIM eligible account 30 ] 31 } 32 }, 33 "external_id": null 34}
If the loan is not eligible for Day 1 Certainty and/or AIM, a data_incomplete error will be shown in the metadata object in the respective area:
1"metadata": { 2 "d1c_report": { 3 "error": "data_incomplete", 4 "ssn": "522-09-1191" 5 }, 6 "aim_report": { 7 "id": "e0dbf946-a400-419c-946f-0adc7b5fbe36", 8 "ssn": "522-09-1191", 9 "accounts": [ 10 "023c211a-b4f9-2df5-f015-4aa8bd52a748" 11 ] 12 } 13}
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 "aim_report": { 7 "error": "processing", 8 "ssn": "522-09-1191" 9 } 10}
If you are retrieving a report's contents in JSON format via the API, the report_id field will list the Reference # number:
1{
2 "type": "voie-mortgage",
3 "report_id": "e0dbf946-a400-419c-946f-0adc7b5fbe36", // Reference number
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",
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"
15 ]
16 },
17 "aim_report": {
18 "id": "e0dbf946-a400-419c-946f-0adc7b5fbe36",
19 "ssn": "522-09-1191",
20 "accounts": [
21 "018728a3-afee-5288-8e8a-c68ceb591359"
22 ]
23 }
24 },
25 "accounts": [
26 {
27 "account": "018728a3-afee-5288-8e8a-c68ceb591359",
28 "source": "Worknight",
29 "first_name": "Bob",
30 "last_name": "Jones",
31 "full_name": "Bob Jones",
32 "birth_date": "1980-10-10",
33 "ssn": "522-09-1191",
34 "phone_number": "+18009000010",
35 "email": "[email protected]",
36 "employer": "Whole Goods",
37 "employee_address": {
38 "city": "New York",
39 "country": "US",
40 "state": "NY",
41 "postal_code": "10014",
42 "line1": "342 Fence Rd",
43 "line2": null
44 },
45 "employer_address": {
46 "city": "New York",
47 "country": "US",
48 "state": "NY",
49 "postal_code": "10014",
50 "line1": "852 North W St",
51 "line2": null
52 },
53 "status": "active",
54 "employment_type": "full-time",
55 "job_title": "Store Manager",
56 "original_hire_date": "2020-08-28",
57 "start_date": "2020-08-28",
58 "end_date": null,
59 "last_pay_period_end_date": "2024-03-11",
60 "last_paystub_date": "2024-03-14",
61 "base_pay": {
62 "amount": "75372.62",
63 "currency": "USD",
64 "period": "annual"
65 },
66 "pay_cycle": "monthly",
67 "income": [
68 {
69 "period": "2024",
70 "currency": "USD",
71 "employer": "Whole Goods",
72 "gross_pay": {
73 "total": 18260.04,
74 "base": 18260.04,
75 "overtime": 0,
76 "commission": 0,
77 "bonus": 0,
78 "other": 0
79 }
80 },
81 {
82 "period": "2023",
83 "currency": "USD",
84 "employer": "Whole Goods",
85 "gross_pay": {
86 "total": 81774.26,
87 "base": 79126.84,
88 "overtime": 0,
89 "commission": 1946.16,
90 "bonus": 701.26,
91 "other": 0
92 }
93 },
94 {
95 "period": "2022",
96 "currency": "USD",
97 "employer": "Whole Goods",
98 "gross_pay": {
99 "total": 85293.56,
100 "base": 79126.84,
101 "overtime": 4360.2,
102 "commission": 459.43,
103 "bonus": 1347.09,
104 "other": 0
105 }
106 }
107 ]
108 }
109 ],
110 "income_totals": [
111 {
112 "period": "2024",
113 "period_total": {
114 "currency": "USD",
115 "gross_pay": {
116 "total": 18260.04,
117 "base": 18260.04,
118 "overtime": 0,
119 "commission": 0,
120 "bonus": 0,
121 "other": 0
122 }
123 }
124 },
125 {
126 "period": "2023",
127 "period_total": {
128 "currency": "USD",
129 "gross_pay": {
130 "total": 81774.26,
131 "base": 79126.84,
132 "overtime": 0,
133 "commission": 1946.16,
134 "bonus": 701.26,
135 "other": 0
136 }
137 }
138 },
139 {
140 "period": "2022",
141 "period_total": {
142 "currency": "USD",
143 "gross_pay": {
144 "total": 85293.56,
145 "base": 79126.84,
146 "overtime": 4360.2,
147 "commission": 459.43,
148 "bonus": 1347.09,
149 "other": 0
150 }
151 }
152 }
153 ]
154}
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
Argyleas 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
Incomeas the Type. - Select
Argyleas 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 MaeorInterfaces > Freddie Mac - Select either:
DOorDU XISfor Fannie MaeLPA System-to-Systemfor Freddie Mac
- Proceed to Verification Services.
- On the Edit Service Order screen:
- Select your
Vendor Type- Use
Other+Argylefor Fannie Mae - Use
Other+ARGLfor Freddie Mac
- Use
- Select your
Verification Type- Select
Income
- Select
- Input the
Reference Number- Include the borrower's
Social Security Numberbefore 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