ATHENS, Ga., Nov. 1, 2022 (SEND2PRESS NEWSWIRE) — FormFree® announced that it has partnered with Truv to enhance AccountChek®’s verification of income and employment (VOI/E) reporting capabilities with Truv’s payroll provider network, expanding the modern convenience of electronically sharing payroll data with mortgage lenders to 120 million workers.

Image Caption: FormFree.

AccountChek streamlines the mortgage lending process by making it easy for borrowers to electronically furnish the financial and employment data that lenders need to fulfill underwriting requirements and assess ability to pay (ATP®). When borrowers authorize payroll providers to electronically share direct-source payroll data, AccountChek securely delivers it to lenders and the government sponsored enterprises (GSEs) in underwriter-friendly reports that include the borrower’s six most recent paystubs, most recent W-2 and the ability to refresh documentation within 10 days of closing.

Dedicated to serving the unique verification needs of mortgage lenders, FormFree has more than 100 integrations with industry-relevant technology providers and reseller partners, making AccountChek’s verification of asset (VOA) and VOI/E services available for more than 90% of mortgage transactions nationwide. FormFree closely collaborates with Fannie Mae and Freddie Mac to support verification initiatives that help lenders streamline processes without incurring additional risk.

“Expediting time-to-close, reducing loan production costs and improving borrower experience are priorities for mortgage lenders of every stripe,” said FormFree Founder and CEO Brent Chandler. “Expanding our payroll provider network by partnering with Truv enables mortgage lenders to extend the ease of electronic payroll data verification to millions of workers while lessening staff time spent collecting and verifying physical paystubs and other paper documents.”

“Truv is proud to bolster FormFree’s VOE and VOI reach with our expansive payroll and human resources information system integrations,” said Kirill Klokov, CEO of Truv. “We look forward to continuing to build out capabilities that help our customers serve their clients.”

About FormFree®

FormFree® is a market-leading fintech company whose revolutionary products AccountChek® and Passport® make for a more inclusive credit decisioning landscape by enabling lenders to understand people’s true ability to pay (ATP®). Our vision is to leverage source data and data-driven intelligence to usher in a new era of transparent, fair and liquid credit markets. To date, thousands of U.S. lenders and brokers have ordered millions of FormFree’s patented verification reports representing trillions of dollars in loan verifications. FormFree delights borrowers and lenders with a paperless experience, dramatically reduces origination timelines and offers automated analysis and standardized delivery to lenders and investors using a secure ReIssueKey®. For more information, visit or follow FormFree on LinkedIn.

About Truv

Truv (, formerly known as Citadel API, empowers enterprise businesses to make confident financial decisions. Truv is a best-in-class verification technology that delivers fast, accurate, and cost-effective consumer income and employment data for financial institutions. Truv’s customers make faster, more confident decisions, while consumers benefit from quicker approvals and a better overall experience. Truv’s automated and secure infrastructure connects to 50+ payroll providers, covering 120 million people and 85 percent of the US workforce.

Twitter: @RealFormFree #mortgageindustry #fintech #digitalmortgage

News Source: FormFree