Asset and Income Modeler (AIM)

Loan Product Advisor^® AIM automates the assessment of borrower assets and income for lenders. By leveraging the expertise of third-party service providers, AIM helps deliver a simpler, more efficient loan origination process.

Enhance Income Assessment with Verified Tax Data

AIM for income evolves by adding tax transcripts to the income assessment to simplify underwriting borrowers who report income on IRS Form Schedule C. It’s simple, effective and secure. Halcyon is the initial service provider to support this capability.

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AIM Service Providers – Helping You Get The Freddie Edge^®

Assets & Income - Blend

Blend’s solutions automate asset and income assessment earlier in the loan origination process. The asset assessment workflow enables borrowers to connect to their bank accounts in their loan application and Blend’s income solution helps lenders deliver an instant income assessment during the application process.

Asset & Income - Finicity

Automate your asset and income assessment process and mitigate risk thanks to real-time bank, payroll and paystub data – all delivered in a single borrower engagement experience with Finicity’s Mortgage Verification Solution (MVS).

AccountChek^® by Informative Research

One report does it all. Make better-informed risk assessments with digital verification of assets (VOA) including direct deposits and rent payment history. Streamline verification of income and employment (VOI/E), plus get digital pay stubs and W-2s from integrated payroll providers and employers.

Asset | Asset & Income - PointServ

Take advantage of PointServ’s proprietary connections to automate your borrower asset assessment. You can also use PointServ’s solution – in a limited release – to help you automate both asset and income assessment.

Income (The Work Number®) - Equifax

Leverage The Work Number database of income and employment records contributed by thousands of employers nationwide, to help you automate borrower income assessment. (NOTE: see "Explore..." section below for opt-in form.)

Self-Employed Income – LoanBeam

Take advantage of LoanBeam’s OCR technology to automate self-employed income and get an edge in this growing borrower segment.

LoanCraft

Use LoanCraft to help you validate income and improve your process efficiency – to help you avoid delays and qualify more self-employed borrowers.

CoreLogic

CoreLogic’s solution automates the document intake process for different sources of potential income, analyzes them based on loan guidelines and then automatically calculates the income.

Assets - Plaid

Plaid’s Assets product provides a comprehensive, fast, and up-to-date view of a borrower’s bank accounts, allowing you to verify assets and account ownership in seconds.

Income – Experian Verify™

You and your borrowers deserve flexible and efficient income and employment verification. With Experian Verify, you gain instant access to current employer payroll information. This enables you to make informed decisions, reduce friction, and eliminate the cost and complexity of manual verification.

Halcyon

Halcyon’s multiple products – IRS income & tax transcripts, digitally prepared tax returns and a Registered Investment Advisory platform – assist in deepening lenders’ overall relationship with their borrowers to offer services that are specific to each individual.

Helpful Resources and Tools

AIM (Asset and Income Modeler) Training

Training resources to help you take advantage of AIM and AIM for self-employed.

AIM Eligibility

Review eligibility requirements as well as examples of eligible and ineligible asset types and income sources.

Loan Product Advisor^®

Loan Product Advisor^® – the cornerstone of Freddie Mac Loan Advisor^® – gives you access to Freddie Mac credit requirements and view of credit risk so you can easily assess your loan's overall underwriting risk.

Recent News and Insights

AIM to Take 5 and Save Days to Close

Maybe you know that AIM can improve your loan quality by automating your assessment of a borrower’s income, assets and employment. But do you know just how much automation can help you save time? Here’s 5 ways you can use AIM to clear to close faster and get more time back in your day.

Why Tech Tools Are the Secret to High-Performing Mortgages with Low Defects

Focusing on loan quality can help prevent defects and defaults, so now is the time to allocate resources and implement a robust combination of technology and process improvement.

How Freddie Mac’s Data-Driven Approach Helps Lenders Qualify More Borrowers

Leadership perspective on increasing homeownership through innovation and how we're going beyond verifying traditional assets.