A Better Mortgage Experience


Verify homebuyers’ information. Fast.
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Verify Employment and
Income Instantly

Homebuyers want a fast, low-friction purchasing process — one where the lender doesn’t ask for pay stubs or an employment verification letter to verify income and employment. As a lender, you want to ensure a positive borrower experience from start to finish. Everybody wins with the Verification of Employment (VOE) and Verification of Income (VOI) mortgage products from The Work Number®. 
Start Verifying
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Solutions

Solutions Built for Mortgage

Enhanced verification solutions give lenders the ability to digitally access pertinent employment and income information at distinct stages of the mortgage loan process. Pay one flat fee for each solution to help make forecasting your verification costs easier and ultimately provide a better customer experience.
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Mortgage Ultimate (VOI/E)

Gain verification flexibility throughout the entire loan origination process. Access current income and employment records within the last 90 days and records from previous employers within the last 24 months. Includes this first income verification and up to (3) additional re-verifications of income or employment within a 90-day period.
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Mortgage Duo (VOI)

Verify employment and income for dual applicants. Enjoy a flat rate pricing model so you can better forecast your costs and the ability to print a receipt for each transaction.
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All Employers Within 12 Months or 24 Months (VOI)

Streamline your mortgage process and fast-track your decisions with access to any available employer records — from both current and previous employers — going back 12 or 24 months from the date of the request.
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Mortgage Preferred (VOI)

Access current income and employment records within the last 60 days and records from previous employers going back 24 months from the date of the request.
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Employment Select (VOE)

Verify borrower employment — or re-verify prior to loan closing — with access to current employment records within the last 60 days from the date of the request.

A Better Experience for
Your Clients

See how using The Work Number throughout the mortgage origination process can help improve customer experience and speed time to close.
Turn to Equifax For Your Mortgage Verification Needs

Cost and Time Savings

Save costs at every step, including processing and underwriting. You may be able to save time with solutions approved for GSE validation programs.

Improved Borrower Experience

Potential for less review at application and post-close helps create a borrower-friendly process.

Process Efficiencies

Help eliminate manual verifications and reduce the risk for human error.

Streamline the Experience

Reduce the need to collect pay stubs and other pay-related documentation.
See What Consumers Told Us They Really Want In The Home Buying Process
 
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SUCCESS STORY
The Equifax team was very proactive and innovative in defining a solution for our manual VOE needs. They took the time to understand our needs and then they launched a well designed and executed plan with no surprises.  The Equifax team did exactly what they said they would, delivering a quality and cost-effective solution.
Top 5 Mortgage Lender, Ops Director
INSIGHTS
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5 Things To Remember After Fannie Mae’s Announcement

In response to the unprecedented economic effects of the COVID-19 pandemic, Fannie Mae announced on May 1 a temporary suspension of employment validation within its Desktop Underwriter® (DU®) validation...
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How to Confirm Employment Using Third-Party Verifications

During flight school, pilots are taught the importance of checking flight instruments and equipment before takeoff. For each flight, they are instructed to go through the same checkpoints and protocols. Why?...
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Find answers to login questions, review your information, and grant credentialed verifiers access to salary information in one place.
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