Introducing Direct VOIE+, a step-up to Direct VOIE for mortgage lenders that delivers qualifying monthly income calculated by Freddie Mac’s AIM Check API alongside the direct-source payroll data applicants share through Argyle. Lenders see Freddie Mac's own qualifying income calculation side by side with the payroll data it's based on, so they can see exactly what's driving the number.

Income estimates early in the loan process may not line up with the qualifying income determined at underwriting, which can move borrowers out of qualification late in the process. That's costly for lenders and frustrating for borrowers.

Direct VOIE+ moves that picture earlier, so loan officers can understand eligible income at the time of verification instead of discovering issues downstream.

How Direct VOIE+ works

Applicants connect their payroll accounts and share their income and employment data straight from the source, using Argyle. For lenders with Direct VOIE+ enabled, Freddie Mac's AIM Check returns its qualifying monthly income calculation, and lenders receive both in the same verification:

• In the PDF: Freddie Mac's monthly income appears in each employment section, including for applicants with multiple employers, with Freddie Mac's Findings Report included.
• In the JSON: Freddie Mac's calculation is returned across total, base, overtime, bonus, commission, and other income, alongside the existing Argyle monthly income fields.

Why it matters for mortgage lenders

Find more paths to yes. With Freddie Mac's qualifying income in view earlier, loan officers can identify viable financing options and structure loans that work for their borrowers.

Qualify earlier, rework less. See Freddie Mac's monthly income calculation upfront, not at underwriting. Loan officers can spot usable income early and fix issues before they turn into rework.

Two perspectives, one verification. Review consumer-permissioned payroll data, shared at the consumer's direction, next to Freddie Mac's qualifying monthly income calculation, with no separate outputs to manage.

Consistent, easy rollout. Enable Direct VOIE+ across your entire organization with no new order type and no changes to your existing verification workflow.

Built for complex files. Freddie Mac's calculation is matched to each employment, including for applicants with more than one employer, and the direct-source payroll data is still delivered if Freddie Mac doesn't return a calculation.

Direct VOIE+ is enabled at the organization level, so every mortgage payroll verification your team runs includes the available Freddie Mac calculation once it's turned on.

To learn more or enable Direct VOIE+ for your organization, reach out to our team or contact your Argyle CSM.