> For the complete documentation index, see [llms.txt](https://docs.himaxwell.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.himaxwell.com/platform-overview/admins-and-tech-support/integrations/verification-of-employment-income-voie/maxwell-verification-of-employment-and-income-voe-i-powered-by-argyle.md). # Maxwell Verification of Employment & Income (VOE/I) powered by Argyle ### Overview We are excited to announce our partnership with **Argyle** to provide lenders with a faster, more efficient way to verify borrower employment information directly through the Maxwell Point of Sale. With Maxwell's VOI/E powered by Argyle, borrowers can securely search for their employer or payroll provider and authenticate through a secure connection to their payroll information. Maxwell then retrieves employment and income data directly from the source and transforms it into mortgage-ready verification reports and documentation that support underwriting workflows and agency requirements. The result: a faster, more reliable way for lenders to verify income while reducing manual effort for lending teams and friction for borrowers. ### Benefits of Using Maxwell VOE/I **Save Days on Verification Turnaround Times** Eliminate the waiting associated with borrower document collection and manual employment verification. Maxwell VOE/I helps lending teams access verified employment and income data earlier in the process, reducing bottlenecks between application, processing, and underwriting. **Lower Verification Costs** Reduce reliance on traditional VOE/I providers and manual document collection processes. With reverifications available for up to 90 days after the initial report, lenders can help control verification expenses throughout the loan lifecycle. **Higher Borrower Conversion and Completion Rates** Deliver a simpler borrower experience by allowing applicants to securely verify employment and income information within the existing Maxwell workflow. With coverage across approximately 90% of the U.S. workforce and strong borrower credential connection rates, lenders can increase the likelihood of receiving verification data earlier in the mortgage journey.
**GSE Validation and Rep & Warrants** Maxwell VOE/I data supports agency validation workflows and may help eligible lenders pursue Representation & Warranty relief through applicable Freddie Mac and Fannie Mae programs. * Freddie Mac Loan Product Advisor (LPA) Direct Income and Employment Assessment (D1C) * Fannie Mae Desktop Underwriter (DU) validation through AIM certification **Seamless Borrower and Lender UX** Maxwell VOE/I is embedded directly into the mortgage point-of-sale experience, allowing borrowers and lending teams to complete verification without leaving the workflow or managing separate platforms. ### How does the Maxwell VOE/I Work? Maxwell embeds the Argyle VOE/I experience directly into the borrower and lender point-of-sale workflows, allowing borrowers to complete employment and income verification without leaving the mortgage experience. By keeping VOE/I within the existing Maxwell workflow, lenders can reduce borrower friction, eliminate unnecessary handoffs, and provide processing teams with verified income data earlier in the loan process. #### **Step 1: Borrower is presented the VOE task** During the loan application process — or as a follow-up task after application submission — Maxwell presents borrowers with the option to securely verify their employment and income information.
#### Step 2: Borrower Searches & Select Employer or Payroll Provider The borrower searches for and selects their employer or payroll provider. This is connected to over **500 employment and income sources** including payroll providers, employer platforms, government agencies, benefits providers, and gig platforms. This covers over **90% of the U.S. workforce.**
#### Step 3: Borrower Authenticates The borrower securely signs in using their existing payroll credentials. For data security this may include Multi-factor Authentication with text or email confirmations.
#### Step 4: Retrieves Data from Employer/Payroll Source After a successful credential entry by the borrower, we link the connection to the payroll data source and begin to retrieve the employment data for the borrower.
Data retrieved: * Employment status * Hire date * Job title * Income information: Base, overtime, comissions, included * Pay history * Payroll documents (W2s, Paystubs, 1099s) * Year-to-date earnings data Maxwell then parses that employment and income data and enters it into the application data marked as a verified source. #### Step 5: Payroll Documents and Verification Report Generated Maxwell then retrieves both the payroll documents and a mortgage-ready Verification of Income and Employment (VOIE) report and makes the report, supporting data, and payroll documents available within lender hub VOE services tab.
An automated GSE elegible report using direct-source payroll data. The report includes all payroll or employer accounts that a borrower has permissioned. * Retrieves up to 24 months and shows YTD income * Includes a summary of employee, employment and income info * Income information matches the order of the URLA * Representation and warranty relief through Fannie Mae and Freddie Mac #### Step 6: Reverifications Any member of your lending team can reverify or refresh VOE and VOI/E reports within 90 days for no additional charge. So at the time of closing you can pull a VOE to confirm employment status for the borrower with a valid connection. If the connection is no longer valid the LO can prompt the borrower to reconnect to their payroll account so they can get updated data.
{% hint style="warning" %} **NOTE:** A lender can request a refreshed report after 90 days but they will be charged for any updated employer connection after a 90 day period. {% endhint %} ### Step 7: LOS Integrations With our full LOS integrations Maxwell will send the following data and documents to the LOS. * VOE and VOIE reports * Payroll documents: W2s, Paystubs, 1099s * Latest Argyle Report ID * All income and employment data that can be pulled the VOIE report * Employment status * Hire date * Job title * Income information: Base, overtime, comissions, * Pay history * Payroll documents (W2s, Paystubs, 1099s) * Year-to-date earnings data ### Set Up and Contacts **Already using Argyle?** If your organization already uses Argyle for VOI/E for lending fees, contact your Maxwell Customer Success Manager or email [**help@himaxwell.com**](mailto:help@himaxwell.com) to begin the integration setup process. You’ll also need to contact your **Argyle Customer Success Manager** to: * Confirm your Argyle account is configured to integrate with Maxwell for VOE/I. * Obtain the integration credentials and API keys Maxwell needs to complete the connection. Maxwell and Argyle will work with you through the setup process to get the integration connected. **Interested in using Argyle for VOI/E?** If your organization doesn’t currently use Argyle for VOIE and you’re interested in bringing VOI/E into your point of sale to reduce costs and days in your pre-qualification process contact your Maxwell Customer Success manager or to schedule a demo and discussing next steps. ### Testing Steps After you're integration is set up 1. Go to the Maxwell lender hub 2. Create an Argyle VOIE task for the borrower 3. Log in as the borrower account (we recommend using incognito browser mode to have a fresh borrower session) 4. As the borrower, open the task search for a payroll provider/employer (ADP, Paycom, Amazon, etc.) 5. Enter in one of the following test credentials (username, password)
6\. If prompted select text and enter in the verification code in the test cases above. 7. Wait for the connection and complete the task 8. Go back into the Lender Hub experience -> Services Tab -> VOIE (Argyle) 9. Within moments you should see the employer information and VOEI reports in the 10. Click to review the reports ### Frequently Asked Questions ***What is Credentialed Payroll Verification?*** Credentialed Payroll Verification is a borrower-permissioned process where a borrower securely logs into their payroll account, allowing Maxwell to retrieve income and employment information directly from the source. ***Is borrower payroll data secure?*** Yes. Borrowers authenticate directly with their payroll provider using their existing credentials. We only accesses information that the borrower authorizes and shares. ***What if a borrower's employer is not available?*** If a payroll connection cannot be established, lenders can use alternative verification methods, including document-based verification workflows. ***How much of the workforce does this cover?*** We cover approximately 90% of the U.S. workforce, connecting to more than 500 data sources across payroll, employer, gig economy, government, and benefits platforms.
***How quickly can a verification be completed?*** Most credentialed payroll verifications can be completed in minutes after the borrower successfully connects their payroll account. ***What reports are generated?*** * Verification of Income and Employment (VOIE) reports * Last 30 day period of paystubs * Last two years of W2s or 1099s * Employment and compensation summaries ***Does Argyle support reverifications?*** Yes. Continuous access to borrower-permissioned payroll data allows lenders to perform reverifications for up to 90 days without incurring additional verification ordering costs. After 90 days any new payroll connections will incur an additional connection charge. ***Can this VOE/I help lenders qualify for Representation & Warranty Relief?*** Yes, the direct-source verification data supports agency validation workflows and may help lenders obtain Representation & Warranty Relief on eligible loans through Freddie Mac and Fannie Mae programs.