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Asset and Income Modeler (AIM) Capabilities

AIM is a capability within Loan Product Advisor® (LPA℠) that automates the assessment of borrower assets, income and employment for lenders. The chart below is a summary of AIM capabilities, but it is not a replacement or substitute for the requirements in the Freddie Mac Single-Family Seller/Servicer Guide and other Purchase Documents.

DescriptionAssess total assets using asset account data from financial institutions.Assess income using different data sources: direct deposits from asset account data, employment data and tax data.Automate employment verification to meet 10-day PCV requirement, using direct deposits in asset transaction data or employment data.
Data Sources
  • Asset Report*
  • Asset Report (+ Paystub)
  • Payroll Report
  • Tax Returns
  • Tax Transcripts
  • Asset Report
  • Payroll Report
Eligible Sources
  • Checking
  • Savings
  • Money market
  • Investment accounts
  • Retirement accounts
  • Gifts and grants
  • Base
  • Bonus/OT/Commission
  • Social Security and pension
  • Military
  • Child support/alimony
  • VA disability
  • Sole-Proprietorship
  • Partnership
  • S-Corporation
  • Wage income
  • Military
Potential Representation and Warranty (R&W) Relief
  • Sufficiency of assets to cover the "Total Funds to be Verified" amount
  • Accuracy and integrity of data
  • Accuracy of income calculation
  • Accuracy and integrity of data
  • Business and income analysis
  • No R&W relief, but meets 10-day PCV requirement
API Options
AIM Check for Account Data
AIM Check for Payroll Income  
AIM Check for Employment 

*Rent Payment History and Cash Flow Assessment

Lenders ordering an asset verification report also get the benefit of borrower cash flow assessment and rent payment history from asset account data which may positively impact the Loan Product Advisor® risk assessment.

Additional Resources