# Maximize your verification waterfall with Doc VOI

Automate income verifications for borrowers who are unable to complete a direct payroll or bank connection.

## Benefits

### Doc VOI is transforming verification waterfalls

#### Save operator time

Shift from manual document reviews to automated income verification, reducing workloads and speeding up processes.

#### Qualify relief earlier

Confirm AIM-qualifying monthly income before submitting to LPA, and secure R&W relief on more borrowers by using payroll documents.

#### Lower costs

Reduce verification expenses by as much as 80% by moving from expensive legacy providers to Argyle’s modern solution.

## How it works

### Ordering Doc VOI is simple and easy in Encompass

①

#### Select Doc VOI as the requested report type

②

#### Add required documents from the eFolder

③

#### View the completed Doc VOI report on your dashboard

## Features

### Everything you need for modern verification

#### Rep and warrant relief

##### AIM Check-approved

Rep & warrant relief on income calculations using payroll documents

Explore Argyle + AIM](https://www.argyle.com/use-cases/asset-and-income-modeler)

#### Flexible integration

##### Integrated where you work

Argyle retrieves docs & URLA information from the Encompass eFolder or uploaded via the Argyle API

[POS Embed in your POS](https://www.argyle.com/use-cases/points-of-sale)

[LOS Automate in your LOS](https://www.argyle.com/use-cases/loan-origination-systems)

[Argyle API Customize in your experience](https://www.argyle.com/platform-overview/api)

## Our customers

### Measured impact, verified by customers

Argyle sits at the top of our waterfall, giving us instant access to the income data and documents we need before turning to higher-cost options. cindy keith Chief Strategy Officer, NFM Lending  View case study →](https://www.argyle.com/customers/nfm-lending)

## Industry solutions

### Consumer-permissioned verification across industries

[**Mortgage** Reduce production costs, increase pipeline capacity, and shorten loan cycles.](https://www.argyle.com/industries/mortgage)

[**Tenant Screening** Improve data quality to spot application fraud, save time, and increase compliance.](https://www.argyle.com/industries/tenant-screening)

[**Government Benefits** Improve data quality to spot application fraud, save time, and increase compliance.](https://www.argyle.com/industries/government-benefits)

[**Personal Lending** Approve more qualified borrowers, more confidently with a better view of creditworthiness.](https://www.argyle.com/industries/personal-lending)

[**Background Check** Accelerate approvals, dramatically lower costs, and reduce manual work.](https://www.argyle.com/industries/background-check)

[**Gig Economy** Leverage real-time work activity to enhance products and reduce risk.](https://www.argyle.com/industries/gig-economy)

## FAQ

### Answers to your frequently asked questions

How does Doc VOI differ from other verifications provided by Argyle?

What do document based verification of income (Doc VOI) reports include?

Is Doc VOI GSE-compliant?

## Explore more resources

[Blog **Doc VOI: Smarter, Faster Document-Based Income Verification**](https://www.argyle.com/blog/doc-voi-smarter-faster-document-based-income-verification)

[Blog **Lenders look to verification waterfalls to keep loans flowing**](https://www.argyle.com/blog/verification-waterfalls-for-mortgage)

## Ready to see what Argyle can do for you?

Get in touch to learn more about our verification platform.