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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.
Argyle integrates with the Empower LOS platform for income and employment verification ordering.

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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)
  1. After submitting a verification order, the borrower is invited to connect their payroll accounts through Argyle.
  2. 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

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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.
Enable Argyle's integration with Empower by entering your Party IDs within the Integrations section of Argyle Console.
  1. Enter your UAT (testing) and Production Party IDs.
  2. (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.

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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.
Select Argyle as the Exchange Verification provider in Empower.
  1. 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.
  1. Input the Full Name, E-Mail Address, and Day Phone of the borrower (if not already auto-populated).
Enter the borrower's contact information after selecting Argyle as the verification of income or verification of employment provider in Empower.
  1. In the Loan Information section, within the Contact Type dropdown select either Processor or Underwriter depending on the loan officer’s role.
  2. Input the Full Name, E-Mail Address, and Day Phone of the loan officer (if not already auto-populated).
Choose the loan officer's role type, either processor or underwriter.
  1. In the Borrower Information section, within the Primary Borrower dropdown select the [Name] of the primary borrower.
Select the name of the primary borrower in Empower from the Primary Borrower dropdown.
  1. Click Validate Submission Data in the toolbar to ensure all required fields have been filled.
After the Validate Submission Data button is clicked in the toolbar, a success pop-up appears if all required fields have been filled.
  1. Click Submit Request in the toolbar. An Order Status of Ordered submitted followed by Order acknowledged will appear at the bottom of the page.
Click Submit Request in the toolbar. An order submitted message, followed by an order acknowledged message, will be displayed at the bottom of the page in the Order Status section.
  1. After an order is submitted, the borrower will be invited via text (SMS) and email to connect their payroll account(s) through Argyle.
Argyle Link is where payroll accounts are connected through Argyle.

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(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. Your Empower admin can configure event notifications so loan officers are informed when a verification has completed and documents and reports are ready for retrieval in the Empower Document Repository.

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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. Open the Empower Document Repository to view report PDFs and payroll documents such as W-2s and paystubs.

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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).
Please reach out to your Argyle Customer Success Manager to enable Day 1 Certainty® and AIM for verification reports.
To submit a DU reference number for a loan through Empower®:
  1. If the 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:
The DU reference number will be listed at the top of the report if the user is D1C eligible.
  1. Open Desktop Underwriter from the sidebar, then click Asset Verification IDs in the toolbar.
Open Desktop Underwriter in the sidebar and then select Asset Verification IDs from the toolbar.
  1. Select a borrower from the Borrower Name dropdown, then click Add.
Select a borrower, then click the plus button to Add.
  1. Select Argyle (DU Only) from the Asset Verification Provider dropdown. Then enter the DU reference number in the Asset Verification ID field.
Choose Argyle (DU Only) from the Asset Verification Provider dropdown, and 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.