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#
- 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)
- After submitting a verification order, the borrower is invited to connect their payroll accounts through Argyle.
- 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#
-
Reach out to your Empower® account representative to enable Argyle's verification of income and employment integration.
-
Once you receive your Party ID from Empower®, go to the Integrations section of Argyle Console and Enable the integration.
-
Enter your Party ID.
-
(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#
-
Select Exchange Verifications from within a loan file and Begin a New Order (Service Request).
-
Choose
Argyle
as the verification Provider. -
Select a verification Product —
VOE/VOI
orEmployment Re-verification
. -
Choose
Conventional
as the Program Code. -
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.
-
Input the Full Name, E-Mail Address, and Day Phone of the borrower (if not already auto-populated).
-
In the Loan Information section, within the Contact Type dropdown select either
Processor
orUnderwriter
depending on the loan officer's role. -
Input the Full Name, E-Mail Address, and Day Phone of the loan officer (if not already auto-populated).
-
In the Borrower Information section, within the Primary Borrower dropdown select the
[Name]
of the primary borrower. -
Click Validate Submission Data in the toolbar to ensure all required fields have been filled.
-
Click Submit Request in the toolbar. An Order Status of
Ordered submitted
followed byOrder acknowledged
will appear at the bottom of the page. -
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® and AIM#
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 and 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.
To add a Day 1 Certainty® or AIM eligibility check for a loan through Empower®:
-
Ensure your Empower integration is configured to use Argyle with Fannie Mae's DU validation service and Freddie Mac's asset and income modeler (AIM).
- For Day 1 Certainty®, refer to Empower's Argyle Configuration Guide (PDF).
- For AIM, make these additional adjustments:
- Update your Verification Providers
Display Value
toArgyle
instead ofArgyle (DU Only)
- Insert an entry into your LPA Verification Providers and use Argyle's LPA enumeration:
ARGL
- Update your Verification Providers
-
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: -
Open Desktop Underwriter from the sidebar, then click Asset Verification IDs in the toolbar.
-
Select a borrower from the Borrower Name dropdown, then click Add.
-
Select either
Argyle (DU Only)
(if only submitting for Day 1 Certainty®) orArgyle
from the Asset Verification Provider dropdown. Then enter theReference #
from Argyle's report in the Asset Verification ID field.
For further assistance or specific feature requests, please reach out to [email protected] or your Customer Success Manager.