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Assets Report

The Assets Report, also known as Verification of Asset (VOA), provides digital asset verification delivered in seconds. This fast and secure automated process generates a detailed report of a borrower's historical transactions, making it ideal for mortgage loan applications requiring quick asset documentation. 

Step 1: Start Your Order 

1. Log in to bankVOD 

2. Click ORDER A VERIFICATION 

3. Find Assets Report card 

4. Click blue Select button
    

Step 2: Choose Day1Certainty or Standard 

You'll see popup asking about Day1Certainty: 

Select one: 

• bankVOD (Standard) - for most loans 

• Day1Certainty - if loan qualifies for Fannie Mae program 

Click on your choice, then click OK 

Step 3: Complete the Order Form 

Your Information: 

• Your Name: First and Last
• Your Email: Where completed report will be sent
• Date: Today's date
• Tracking Number: Your loan file number 

Borrower Information: 

• Full Name: First, Middle, Last (exactly as on bank accounts)
• SSN: Full 9-digit Social Security Number
• Borrower Email: CRITICAL - where verification request goes
  • Important: Verify borrower's email is correct. They'll receive an email to authorize the verification.
     

Step 4: Select Number of Months 

Dropdown Menu: 

• 2 months - $17.50 (standard) 
• 3 months - higher price 
• 4+ months - available if needed 

Most Common: 2 months (sufficient for most mortgage applications) 

Step 5: Add Bank Accounts 

For each bank account: 

• Search for bank name - Type in search box 
• Enter account number (optional but helpful) 
• Click Add Account button 
• Account appears in list below 
• Repeat for each account (up to 5 banks per report) 

Remove accounts: Click X next to account if added by mistake 

Important Note: BBVA accounts should now be entered as PNC (bank merger) 

Step 6: Add Comments (Optional) 

Use comments for: 

• Special instructions 
• Urgent closing date 
• Specific accounts to verify 
• Any borrower circumstances 
• Example: "Need verification of both checking accounts. Closing 11/30/2025."
   

Step 7: Upload Documents 

Required: 

• Borrower authorization (signed loan application) 

Recommended: 

• Voided check 
• Recent bank statement
   

Step 8: Select Payment 

Choose payment method: 

• Bill to account 
• Credit card on file 
• New credit card 

Cost: $17.50 for 2-month report (covers up to 5 banks) 

Step 9: Review and Submit 

Before clicking Submit, verify: 

✓ Your email address correct 

✓ Borrower's email address correct (CRITICAL!) 

✓ Borrower's name matches bank accounts 

✓ SSN accurate (9 digits) 

✓ All bank accounts added 

✓ Number of months correct 

Then: 

Check authorization box 

Click Submit Order 

Save confirmation number 

After You Submit - The Process 

Step 1: Borrower Receives Email (within minutes) 

• Email from bankVOD sent to borrower 
• Contains secure verification link 
• Instructions to complete authorization 

Step 2: Borrower Completes Verification 

Borrower must: 

• Open email from bankVOD 
• Click verification link 
• Log into each bank account 
• Authorize release of information 
• Confirm and submit 

Timeline: Borrower typically has 30 days to complete 

Step 3: Report Generated (seconds to minutes) 

• After borrower authorizes 
• System retrieves account data electronically 
• Report generated instantly 
• Status: "Completed" 

Step 4: Report Delivered 

• Emailed to your address 
• Available in MY ORDERS 
• Usually within minutes of borrower completing verification  

Questions? Contact our Support Team

Additional Resources