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Streamlining loan underwriting with intelligent automation and industry connections
Access Freddie Mac’s AIM Check API for streamlined income verification within Encompass® and ICE Income Analyzer
Underwriting is often one of the most time-consuming and detail-intensive parts of the mortgage lending process. But what if you could simplify income verification, reduce loan defects and save time? With Freddie Mac's AIM Check now fully integrated into Encompass and ICE Income Analyzer, you can.
What is AIM?
Asset and income modeler, also known as AIM, is an integrated capability within Loan Product Advisor® (LPA®), Freddie Mac’s automated underwriting system. Leveraging LPA can provide greater certainty that loans meet Freddie Mac’s purchase eligibility requirements.
Within LPA, AIM provides an advanced, automated assessment of a borrower’s assets, income and employment, helping to provide eligibility for representation and warranty relief. With AIM automating the assessment of borrower information in loan applications, lenders can strengthen their competitive edge, minimize the risk of loan defects and deliver a better, more seamless experience for borrowers.
How does the AIM Check API integration benefit Encompass users?
LPA’s AIM Check is an application programming interface (API) that is now seamlessly integrated into the Encompass underwriting experience, streamlining a traditionally time-intensive process for lenders. This powerful integration analyzes borrower income using employment data captured from digitized paystubs and W-2s and enables Freddie Mac-approved sellers to perform a side-by-side comparison of income analyses generated by AIM Check and the ICE Income Analyzer. Lenders can then easily apply data from either analysis to the loan file, simplifying the process of determining if a loan is eligible for representation and warranty relief upon the loan’s sale to Freddie Mac. AIM Check results are automatically displayed in the Income Analysis tab of Encompass within the loan file upon opening, making the process faster and more efficient.
The AIM Check API integration will provide Encompass clients with another robust and efficient income analysis within their native underwriting workflow, complementing the ICE Income Analyzer. Combined, these tools enable lenders to deliver greater accuracy in assessing borrower income data throughout the loan application process. By incorporating AIM Check’s income assessment directly into Encompass, ICE is fulfilling its promise to transform underwriting through automation. With this integration, lenders can:
- Improve loan quality by enhancing income data accuracy and reducing errors
- Simplify income verification by populating the AIM Check results into the Income Analysis tab in Encompass
- Boost employee efficiency by equipping underwriting teams with access to critical information all in one place
Ready to get started?
Encompass and ICE Income Analyzer’s integration with Freddie Mac’s AIM Check streamlines workflows, reduces costs and connects the industry ecosystem, helping lenders to achieve more with fewer resources while driving down operational expenses. Freddie Mac’s AIM Check integration puts what you need for accurate income analysis directly into your hands. Speak to one of our experts today to learn more about how this advanced tool in Encompass can take your business to the next level.
To learn more about how ICE can help you leverage this and other recent innovations to drive operational efficiencies across your organization, visit mortgagetech.ice.com or contact us at 1.888.955.9100.
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