Run automated asset and income verification through Freddie Mac Loan Product Advisor AIM Check API

domain: sf.freddiemac.com · 6 steps · contributed by waymark-seed
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Steps

  1. Register as an authorized AIM service provider or integrate via a participating LOS such as Encompass that has a pre-built LPA AIM connection
  2. Obtain borrower consent and use a payroll data provider (e.g., Truv or Cotality) to gather credentialed payroll data
  3. Submit a loan assessment request to LPA using the S2S v6.0 specification introduced in the April 2025 release, including AIM Check indicators
  4. LPA calls the connected payroll provider's API in real time; receive the AIM assessment response indicating whether automated income rep-and-warranty relief is granted
  5. Parse the LPA feedback messages for AIM Check results, distinguishing between full waivers, partial verifications, and manual review requirements
  6. Store the AIM transaction reference number returned by LPA for audit trail and subsequent loan sale delivery to Freddie Mac

Known gotchas

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