Automate VVOEs, Close loans faster.
AI agents handle Verbal Verification of Employment (VVOE) by phone, email, and fax on your behalf — every call recorded, transcribed, and audit-ready for Fannie Mae and Freddie Mac. Same-day turnaround in most cases.
Trusted across hiring, lending, and leasing
What VVOE requires — and why it's still done manually
Fannie Mae and Freddie Mac require verbal verification of employment within 10 business days of the note date for salaried borrowers. The call must confirm employment with someone at the employer — not a database.
Most lenders still do this manually: a processor calls HR, waits on hold, confirms employment, logs the result. A half-hour task per loan — multiplied by your pipeline.
Time-sensitive— 10 business days from note date
Manual by nature— databases don't satisfy the verbal requirement
Bottlenecks close dateswhen processors are busy or HR doesn't call back
Submit the loan. We make the call.
Submit via Encompass or API
VVOE orders from Encompass, your LOS, or REST API. Include employer, borrower, and any contact info.
AI finds the HR contact
Agents research the direct HR or employment verification line — including third-party services like The Work Number.
Agent conducts the VVOE
Call placed, phone tree navigated, HR reached. Employment status, title, and active status verbally confirmed.
Recording and transcript saved
Call recorded in full and transcribed. Structured summary generated. All stored in your portal.
Loan ready to close
Results pushed back directly to the e-folder. Loan file fully documented and audit-ready.
“We were skeptical AI could handle real HR phone trees. The pilot changed our minds.”
Built with the audit in mind
Every VVOE is documented with the evidence an investor needs.
Full call recording
End-to-end recording. No gaps. Available immediately if an investor or auditor asks.
Automatic transcription
Calls transcribed and attached to the loan file. Searchable, reviewable without listening.
Structured summary
Employer name, employment status, title, active status, and who confirmed. GSE-ready format.
Timestamped chain of evidence
Every action logged. Complete chain of custody for every verification.
Encompass LOS integration
Push VVOE orders from Encompass; receive results back in the loan file.
FCRA compliant
Superunit operates as a compliant CRA. Permissible purpose and accuracy requirements met.
VVOE questions, answered
Is a Superunit VVOE accepted by Fannie Mae and Freddie Mac?
Yes. Every VVOE is a verbal verification conducted with the employer, with the employer name, contact, title, and active employment status confirmed and documented — the same evidence a manual VVOE produces, delivered audit-ready for GSE requirements.
How fast is turnaround?
Most VVOEs complete same day, with an average of 0.82 business days across all orders. Agents work outreach 24/7, so calls aren't limited to your team's hours.
What gets stored for the loan file?
Full call recording, a searchable transcript, a structured summary (employer, title, status, who confirmed), and a timestamped chain of custody — all pushed back to your e-folder and retained for audit.
How does it fit our existing process?
Submit VVOE orders from Encompass, your LOS, or our REST API. Results come back into the loan file automatically. No new system for your processors to learn.
Are you FCRA compliant?
Yes. Superunit operates as a compliant CRA with permissible-purpose and accuracy requirements met on every verification.
What does it cost to try?
Start a 30-day pilot on your real VVOE orders at standard rates — no setup fees, no minimums. You pay only for completed verifications.
Close loans faster with automated VVOE
Start a 30-day pilot. Same-day turnarounds on your VVOE orders.