Employment Documentation Provided by a Third-Party Employment Verification Vendor

The originator may receive employment and income verification directly from a third-party employment verification vendor. These verifications are acceptable as long as

• the borrower provided proper authorization for the originator to use this verification method,

• the date of the completed verification is in compliance with section Allowable Age of Credit Documents and Federal Income Tax Returns,

If necessary, the underwriter must supplement these verifications by obtaining any missing information from the borrower or their employer.