Argyle Launches New Mortgage Verification Tool
The new Direct VOIE+ tool integrates payroll data with Freddie Mac income calculations to streamline lending.
Updated on Oct. 27, 2026 in Job Search
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Argyle has launched Direct VOIE+, a verification tool that provides income calculations alongside direct-source payroll data. It is designed to assist mortgage lenders in identifying financing opportunities and reducing the need for underwriting rework.
Why it matters
The tool helps lenders streamline the verification process by automating income calculations for applicants. By integrating directly with payroll, it aims to improve accuracy and efficiency during the mortgage underwriting phase.
The tool offers an estimated 80% cost reduction compared to traditional verification processes. It supports calculations for base, overtime, bonus, and commission income, even for applicants with multiple jobs.
The players
Argyle
Argyle is an approved service provider for the Freddie Mac Loan Product Advisor asset and income modeler.
Freddie Mac
Freddie Mac is a government-sponsored enterprise that provides liquidity and stability to the United States mortgage market.
The details
Applicants connect their payroll account through Argyle, which then submits the data to the Freddie Mac AIM Check API. The tool delivers the resulting income calculations in both PDF and JSON formats for lenders to utilize.
Timeline
October 27, 2026: Argyle officially announced the launch of the Direct VOIE+ tool.
Market Landscape
This release follows the standards established by Freddie Mac's Loan Product Advisor asset and income modeler. It represents an industry push toward automating verification processes that were previously manual and time-intensive.
Mortgage applicants may experience faster approval times due to the automation of income verification. Borrowers with multiple jobs or variable income streams, such as bonuses and commissions, may find the updated documentation process more efficient.
The takeaway
Automated verification tools are increasingly common in the mortgage industry to reduce paperwork and delays. Consumers should ensure their payroll account credentials are current to take full advantage of these digital processing improvements.
Further reading
Learn more about evolving hiring and payroll tools in our Job Search section.
More information
View further technical details and documentation on the Argyle platform information.
Source note: This article includes information reported by KHQA.
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