AI agents handle Verbal Verification of Employment (VVOE), Written Verification of Employment (WVOE), and Written Verification of Income (WVOI) on your behalf — every call recorded, transcribed, and audit-ready for Fannie Mae and Freddie Mac. Same-day turnaround in most cases.
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 dates when processors are busy or HR doesn't call back
VVOE orders from Encompass, your LOS, or REST API. Include employer, borrower, and any contact info.
Agents research the direct HR or employment verification line — including third-party services like The Work Number.
Call placed, phone tree navigated, HR reached. Employment status, title, and active status verbally confirmed.
Call recorded in full and transcribed. Structured summary generated. All stored in your portal.
Results pushed back directly to the e-folder. Loan file fully documented and audit-ready.
Every VVOE is documented with the evidence an investor needs.
End-to-end recording. No gaps. Available immediately if an investor or auditor asks.
Calls transcribed and attached to the loan file. Searchable, reviewable without listening.
Employer name, employment status, title, active status, and who confirmed. GSE-ready format.
Every action logged. Complete chain of custody for every verification.
Push VVOE orders from Encompass; receive results back in the loan file.
Superunit operates as a compliant CRA. Permissible purpose and accuracy requirements met.
Start a 30-day pilot. Same-day turnarounds on your VVOE orders.