### Required loan file details 1. Select a loan in Encompass®. 2. Provide the following required details: | Encompass section | Verification requirements | | ------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | `1003 URLA Part 1` | Borrower details:

**Payroll:** `First Name`, `Last Name`, `Email`, and `Phone Number`
**Banking:** `First Name`, `Last Name`, `SSN`, `Birth Date`, `Address`, `Email`, and `Phone Number`
**Documents:** `First Name`, `Last Name`, and `SSN` | | `1003 URLA Part 2` | Employer details:

**Payroll:** `Employer Name(s)` \*if known
**Documents:** `Employer Name(s)`, `Start Date(s)`, `End Date(s)` | ### Select Argyle's verification service 1. Under **Services**: * \[Web] Select **All Services** and then **Order Service**. In the pop-up, click **Verifications** under Categories. * \[SmartClient] Select **Order Verifications**. 2. In the pop-up, select **Argyle** under **Providers**. Then click **Next/Submit**. Order Argyle verification services directly within Encompass.

Order Argyle verification services directly within Encompass.

### Ordering verifications 1. Select the borrower(s) and verification methods you want to order. 2. Review borrower contact details for payroll and banking verifications. Including both `Email` and `SMS` generally provides the best response rate. 3. (Optional) Select **Notifications** in the upper-right of the Argyle window to choose which team members should receive updates on verification orders. You can add or remove team members from notifications at any stage of the ordering process. Suggested team members are populated from contacts attached to the loan file. Standalone email addresses can also be entered. Select payroll-based Income & Employment and Assets for the borrower in the same Argyle order.

Select payroll-based Income & Employment and Assets for the borrower in the same Argyle order.

4. For payroll verifications, adjust employments via `Edit Employers`. Argyle automatically attempts to match employers from the Encompass® loan file. 5. For asset verifications, adjust the desired `Account History` length. 6. For document verifications, selecting `Add Documents` will provide a list of required documents based on the borrower's current and previous employments. Select `Open eFolder` to upload documents from the eFolder or local drive. Instructions on which documents should be uploaded will be shown, alongside a button to open eFolder to select documents.

Instructions on which documents should be uploaded will be shown, alongside a button to open eFolder to select documents.

### Track order progress 1. Submitted verifications are shown on the **Orders** screen and proceed independently. Verification order statuses shown next to borrower names in Encompass.

Verification order statuses shown next to borrower names in Encompass.

2. The order status will be shown in the top left next to the borrower name.

* **Pending**: Awaiting borrower action. * **In Progress**: Connected data is syncing, a refreshed verification is being generated, or uploaded documents are being processed. * **Action Required**: The borrower needs to take additional action before the order can be completed. Additional details and next steps will be displayed. * **Cancelled**: The verification order was manually cancelled within Encompass®. Argyle may also cancel orders due to processing timeouts or unresolvable issues. * **Completed**: The verification was successful. Reports and documents have been routed according to your [document-mapping configuration](/integrations/pos-los/encompass/setup-guide#document-mapping-optional).

3. For payroll and asset verifications, the borrower(s) will be sent an [email and/or text invitation](#borrower-experience) asking them to connect their respective payroll and financial institutions. To resend an invitation, select **Resend** or select **Copy Link** to generate a URL that can be shared with the borrower. 4. For document verifications, the borrower will not be contacted. Submitted documents will begin processing immediately, with a typical processing time of 10 minutes. ### View reports and documents 1. Once an order reaches **Completed** status: * The **Reports** section will contain verification reports. * The **Paystubs** and **Tax Documents** section will contain uploaded and retrieved payroll documents. Reports and documents can also be viewed in the Connections section of Console. Each borrower has an [external identifier](/overview/data-structure/users#external-identifiers) that matches their Loan # in Encompass®. 2. Automatic delivery to eFolder. * Verification reports are automatically pushed to eFolder. * For VOIE orders, the last 30 days of paystubs and the two most recent W-2s are also automatically pushed. Additional retrieved payroll documents can be pushed to eFolder as needed. Argyle continues retrieving new payroll data and documents while payroll connections remain active. Newly available payroll documents will appear in Argyle's Encompass® interface and can be previewed or pushed to eFolder as needed. ### Import assets Loan officers can import asset account details from completed Banking VOA and VOAI reports into Encompass®. 1. For a completed asset verification order, select **Import Assets**. 2. Choose which asset accounts to import. 3. Review whether each account will be added as **New** or used to **Update** an existing URLA entry. 4. Optionally adjust the **Destination** for each selected account: **Borrower**, **Co-borrower**, or **Both** when available. 5. Select **Review Updates** and confirm the import. Argyle only writes selected asset accounts after confirmation. Argyle attempts to update existing URLA assets in the loan file when a matching account is found to help avoid duplicate asset entries. Select asset accounts to add or update in the Argyle Encompass Import Assets modal.

Select asset accounts to add or update in the Argyle Encompass Import Assets modal.

### Order closing verifications 1. When **Instant Verification Available** is shown in green, an up-to-date report can be ordered by selecting **Refresh** that does not require additional borrower action.

Instant Verification Available shown in green for ordering an updated closing verification.

2. When **Re-engage if Needed** is shown in orange, there are two verification options after selecting **Refresh**: * **Request Updated Data** will resend a connection invitation to the borrower. * **Use Available Data** will generate a report immediately with the most available data, and does not require additional borrower action. Use Available Data option for ordering a refreshed verification without additional borrower action.

Use Available Data option for ordering a refreshed verification without additional borrower action.

According to the GSE's, reports based on data last updated 35 days ago or less are sufficient for rep & warrant consideration. ### Banking reports account filtering Loan officers can review and update the financial accounts included in refreshed banking reports: 1. For completed asset verification orders, select **Refresh**. 2. In **Accounts Included**, include or exclude the financial accounts that should appear in the refreshed report. 3. Submit the refresh. The **Accounts Included** section appears when multiple financial accounts are available. At least one account must remain selected before the report can be refreshed. Manage included accounts when refreshing asset reports in the Argyle Encompass workflow.

Manage included accounts when refreshing asset reports in the Argyle Encompass workflow.

Financial accounts can also be edited by selecting **New Order** and then selecting **Edit Report** for previously completed asset verifications. Manage included accounts when editing asset reports in the Argyle Encompass workflow.

Manage included accounts when editing asset reports in the Argyle Encompass workflow.

## Borrower experience

This borrower flow applies to payroll and banking verifications. No borrower action is required for document verifications. 1. After order submission, each borrower receives a single Argyle invitation by email and/or text. Borrowers receive a single invitation and land on a page listing the requested verification methods.

Borrowers receive a single invitation and land on a page listing the requested verification methods.

2. Selecting **Verify Now** opens a landing page that lists the requested verification methods. Borrower landing page listing the requested verification methods after selecting Verify Now.

Borrower landing page listing the requested verification methods after selecting Verify Now.

3. Selecting **Payroll Provider** takes the borrower to Argyle's payroll connection experience. Borrowers are taken to Argyle's payroll connection experience after selecting Payroll Provider.

Borrowers are taken to Argyle's payroll connection experience after selecting Payroll Provider.

4. Selecting **Bank Account** takes the borrower to Mastercard's financial account connection experience. Borrowers connect assets through Mastercard Data Connect.

Borrowers connect assets through Mastercard Data Connect.

5. Borrowers can complete payroll and asset connections in either order and return later if needed. * After each successful connection, the borrower returns to the same landing page until all requested verification methods are completed. * If a refreshed verification later requires borrower action, a new invitation is sent and the borrower returns to the same landing page to reconnect the method that needs updated data. ## Day 1 Certainty® and AIM Argyle's income & employment and asset 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 assets 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. Argyle's Encompass® integration will automatically populate the necessary report identifiers required by GSEs within the Encompass® loan file. If multiple Argyle verification reports of the same type have been generated, the report identifier from the most recent report will be used. **Resolve employer name mismatches** 1. Select **Import Employment** for a **Completed** order. 2. Resolve any conflicts between the employer name in the loan file and the employer name Argyle used during verification processing. Resolving employer name mismatches helps maximize Day 1 Certainty® and AIM rep & warrant relief. ## Receipts 1. Select **Receipt** for an individual borrower to generate a receipt and push it to eFolder. 2. Receipts are available for each individual borrower after orders are **Completed** and indicate the fees associated with the verification order. To enable **Receipt** functionality, reach out to your Argyle Customer Success Manager. ## Testing

### Payroll test profiles * Select `Argyle Sandbox` for Sandbox testing or `Argyle` for Production testing. * Enter your testing email or phone number and order a payroll report. * After receiving the invitation, use Argyle's [sample user credentials](/overview/sandbox-testing#connect-sample-users) to connect to: * **Sandbox**: any employer or payroll provider * **Production**: `Platformtronic` or `Employertronic` For specific scenario testing, the following sample users are also available: | | Homer Loanseeker | Suzi Builder | Andy Freddie | | ------------------ | ----------------------------------------- | ------------------------------------- | ---------------------------------------- | | Email | homer\_loanseeker@argyle.com | suzi\_builder@argyle.com | andy\_freddie@argyle.com | | Username | homer\_loanseeker | suzi\_builder | andy\_freddie | | Password | passgood | passgood | passgood | | Verification code | 9081 | 9084 | 9088 | | Phone number | (800) 900-0101 | (800) 900-0104 | (800) 900-0108 | | Driver's license # | D1230101 | D1230104 | D1230108 | | **Returns** | **1 active employment** | **2 active employments** | **1 active and 1 terminated employment** | ### Banking test profiles When you're ready to begin testing, contact your Argyle Customer Success Manager to enable banking permissions. The Sandbox testing environment for banking supports a maximum of 500 users. To stay within this limit, implement user-management workflows and remove inactive users when they are no longer needed. The following sample test profiles can be connected to: * **Sandbox**: connect to `FinBank Profiles A` or `FinBank Profiles B` * **Production**: connect to `FinBank Billable` or `FinBank Oauth Billable` | Username | Password | Account types | Supported products | | ----------- | ----------- | ------------------------------------------------------------------------------ | -------------------------------------- | | profile\_02 | profile\_02 | Savings, IRA, 401k, Credit Card | `voa`, `voi`, `voai` | | profile\_03 | profile\_03 | Checking, Personal Investment, 401K, Roth, Savings (Joint Account owners) | `voa`, `voi`, `voai` | | profile\_04 | profile\_04 | Checking, 403B, 529, Rollover, Mortgage | `voa`, `voi`, `voai` | | profile\_05 | profile\_05 | Checking, Investment, Stocks, UGMA, UTMA (Joint Account owners) | `voa`, `voi`, `voai` | | profile\_06 | profile\_06 | Checking, Retirement, KEOGH, 457, Credit Card | `voa`, `voi`, `voai` | | profile\_07 | profile\_07 | Checking, Stocks, CD, Investment Tax-Deferred, Employee Stock | `voa`, `voi`, `voai` | | profile\_08 | profile\_08 | Checking, Primary Savings, Money Market, 401A, Line of credit | `voa`, `voi`, `voai` | | profile\_09 | profile\_09 | Checking, Savings, Checking failed report. Errors include `102`, `103`, `185`. | `voa`, `voi`, `voai` *(failed report)* | For specific scenario testing, the following sample users are also available: | | Sue Wealthy | River Paycheck | Alex Student | | ----------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | Username | sue\_wealthy | river\_paycheck | alex\_student | | Password | profile\_700 | profile\_703 | profile\_704 | | Description | Sue is working as a Product Manager with a good steady income, a mortgage, and multiple investment accounts. She has a loan account and leases a car. Sue travels a few times a year. She has typical expenses like groceries, clothes, entertainment, gym membership, car expenses, and she has a pet. | River works in construction. He rents an apartment and has typical expenses like groceries, clothes, entertainment, household and car expenses. He has some savings but no investments, no loans and no credit cards. In some months, River's expenses exceed his income. | Alex is working full-time with a good salary but she is still paying off her student loan. She makes regular monthly repayments, but she still has over \$30,000 to pay off. Alex has typical expenses like groceries, clothes, entertainment, household, and car expenses. She has limited savings and she has started an investment account. | ### Doc VOI test documents * Use the sample documents below for **Doc VOI** verifications. * For all scenarios below, enter `Warehouse Services Inc` in **1003 URLA Part 2** as the current employer with a start date of `02/01/2023`, and leave the end date blank. Do not adjust file names. Upload the following documents: * Warehouse\_Services\_Inc\_paystub.pdf * Warehouse\_Services\_Inc\_paystub\_2025.pdf * Warehouse\_Services\_Inc\_paystub\_2024.pdf Upload the following documents: * Warehouse\_Services\_Inc\_ineligible.pdf * Warehouse\_Services\_Inc\_paystub\_2025.pdf * Warehouse\_Services\_Inc\_paystub\_2024.pdf Upload only the following document: * Warehouse\_Services\_Inc\_paystub.pdf Production testing can be done with real documents. If needed, use the sample files below. Upload the following documents: * sandbox\_Warehouse\_Services\_Inc\_paystub.pdf * sandbox\_Warehouse\_Services\_Inc\_paystub\_2025.pdf * sandbox\_Warehouse\_Services\_Inc\_paystub\_2024.pdf Upload the following documents: * sandbox\_Warehouse\_Services\_Inc\_paystub\_ineligible.pdf * sandbox\_Warehouse\_Services\_Inc\_paystub\_2025.pdf * sandbox\_Warehouse\_Services\_Inc\_paystub\_2024.pdf Upload only the following document: * sandbox\_Warehouse\_Services\_Inc\_paystub.pdf
*For further assistance, please reach out to [support@argyle.com](mailto:support@argyle.com) or your Customer Success Manager.*