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Assets Report

Assets Report (Verification of Asset - VOA) provides digital asset verification in seconds, offering a fast and secure way to automate asset verifications with detailed historical transaction data.

Step 1: Select Assets Report Program

1. Log in to bankVOD
2. Navigate to "Select a Program" page
3. Locate the Assets Report card with subtitle "Verification of Asset (VOA)"
4. Click blue Select button

Step 2: Select Loan Type

Two options appear:

Option 1: bankVOD

• Description: Fast & Secure way to Automated Asset Verifications
• Use for: Standard asset verification requests
• Best for: Conventional, FHA, VA, USDA loans, commercial purposes

Option 2: DAY1 CERTAINTY (Fannie Mae)

• Label: Authorized Report Supplier
• Use for: Fannie Mae Day1Certainty loans specifically
• Best for: Loans sold to Fannie Mae, Desktop Underwriter (DU)

Which Should You Choose?

Choose bankVOD if:

• Processing conventional loan not sold to Fannie Mae
• Need verification for FHA, VA, or USDA loans
• Conducting due diligence or quality control
• Need asset verification for commercial purposes
• Unsure (bankVOD format is more universal)

Choose DAY1 CERTAINTY if:

• Loan will be sold to Fannie Mae
• Need Day1Certainty formatting specifically
• Loan origination system requires Fannie Mae validation
• Using Fannie Mae's Desktop Underwriter (DU)

Click on the appropriate card for your loan type.

Step 3: Complete the Order Form

Order Information

Bank Verification Program:

• Pre-filled field
• Confirms you're ordering asset verification

Your Name:

• First Name: Your first name
• Last Name: Your last name

Your Email Address:

• CRITICAL - where reports will be sent
• Receives order confirmations, reports, status updates, borrower verification links

Date:

• Format: MM/DD/YYYY
• Current date

Tracking Number:

• Optional but recommended
• Can be borrower name, property address, loan number, or internal reference
• Helps identify order on invoice

Borrower Information

First Name:

• Borrower's legal first name
• As it appears on bank accounts

Last Name:

• Borrower's legal last name
• As it appears on bank accounts

Middle Name:

• Optional
• Helps ensure accurate matching
• Use if borrower commonly uses middle name

SSN# (Social Security Number):

• 9-digit Social Security Number
• Format: 123-45-6789 or 123456789
• Required for identity verification
• Protected by encryption

Borrower Email:

• Borrower's email address
• Where they'll receive asset verification request

Accounts to be Verified

Number of Months:

• Select how many months of transaction history you want
• Dropdown menu with options

Adding Accounts

Two options for specifying accounts:

Option 1: Search by Bank Name

• Enter financial institution name in "Enter bank name" search field
• System displays matching bank names
• Select appropriate bank from results

Option 2: Enter Account Number

• Type account number in "Enter account number" field
• Use when you know specific account details
• Ensures correct account is verified

Add Account Button:

• Click "+" Add Account button after entering bank name or account number
• Adds account to verification list
• Repeat for multiple accounts

Comments / Special Instructions for Account Holder:

• Open text field
• Provide additional guidance or instructions for borrower

Step 4: Upload Documents

1. Locate upload section
2. Prepare documents • Name files appropriately • Upload each document • Verify successful upload

Step 5: Select Payment

Choose payment method:

• Bill to account (most common)
• Credit card on file
• New credit card

Step 6: Review and Submit

Before clicking Submit, verify:

✓ Your email address is correct
✓ Correct loan type selected (bankVOD or Day1Certainty)
✓ Borrower name matches bank accounts
✓ SSN is accurate (9 digits)
✓ Borrower email is correct
✓ Accounts to verify are listed
✓ Documents uploaded

Then:

1. Check authorization box
2. Click Submit Order
3. Save your confirmation number

What's Next

Immediately:

• Confirmation email sent to you
• Order appears in MY ORDERS
• Status: "Submitted"
• Verification request sent to borrower's email

Borrower Actions:

• Borrower receives email with verification link
• Borrower logs into their bank accounts
• Borrower authorizes access to account data

When Complete:

• Email notification sent to you
• Asset report available in MY ORDERS for download
• PDF report delivered

Tracking Your Order

Check Status in MY ORDERS:

Status Meanings:

• Submitted - Order received, borrower notified
• Pending Borrower Action - Waiting for borrower authorization
• Completed - Ready to download
• Requires Attention - Need more information

How to Download:

1. Go to MY ORDERS
2. Find your Assets Report order
3. Click Download when status shows "Completed"
4. Save to loan file

Questions? Contact our Support Team

Additional Resources