# Mortgage Implementation
source: https://developer.mastercard.com/open-finance-us/documentation/products/lend/mortgage-implementation/index.md

Many Lend products are built to purpose for mortgage use cases,
including Uniform Residential Loan Application (URLA) data population
and Government Sponsored Enterprise (GSE) acceptance. Learn more on our
[Mortgage Lending Use Case](https://developer.mastercard.com/open-finance-us/documentation/usecases/mortgage-lending/index.md)
page.

Our Mortgage Verification Service (MVS) includes support for the
following mortgage verification needs through customer permissioned bank
and/or payroll account data:

-- **Asset Verification**

* [Verification of Assets](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/voa/index.md)
  * Transaction history defaults to two months to meet GSE asset underwriting requirements but can be adjusted when generating the report. Regardless of how much transaction history is requested by the lender when generating the report, up to twelve months of full transaction history is provided to Freddie Mac and Fannie Mae to allow them to run the desired asset, income, cash flow and rental payment assessments when you submit the report to the corresponding Automated Underwriting System (AUS).
* [Verification of Assets and Income](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/voai/index.md)
  * Transaction history defaults to two months to meet GSE asset underwriting requirements but can be adjusted when generating the report. Regardless of how much transaction history is requested by the lender the income streams will show the full history and up to 24 months of full transaction history is provided to Freddie Mac and Fannie Mae to allow them to run the desired asset, income, cash flow and rental payment assessments when you submit the report to the corresponding Automated Underwriting System (AUS).

<br />

-- **Income and Employment Verification**

* [Verification of Assets and Income](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/voai/index.md)
  * 24 months of full transaction history is provided to Freddie Mac and Fannie Mae for optimal income assessment results when you submit the report to the corresponding Automated Underwriting System (AUS).
  * For pre-closing verification of employment a VOE -- Transactions report can be ordered free of additional charge within a certain number of days of ordering a VOAI report.
* [Verification of Income and Employment -- Paystub (with TXVerify)](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/voie-paystub/index.md)
  * Adding a single paystub to an MVS asset report (VOAI or VOA) can significantly increase the success of finding deposit income in the bank data. You can use a previously collected paystub or use the Mastercard Data Connect experience to engage the borrower. For best results with the Fannie Mae and Freddie Mac Automated Underwriting Systems, please ensure the consumer has a VOAI (ideal) or VOA report included in their portfolio.
* [Verification of Income and Employment -- Payroll](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/voie-payroll/index.md)
  * This report provides all necessary income and employment URLA data, including the income broken down into standard URLA categories; Base, Bonus, Commission, Overtime, and Other.

<br />

-- **Pre-Closing Verification of Employment**

* If income and employment was originally verified using a Deposit Income product (VOA, VOAI, or VOIE-Paystub) then use the [Verification of Employment - Transactions](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/voe-transactions/index.md) report to reverify employment prior to closing
* If income and employment was originally verified using a Payroll Income product (VOIE -- Payroll) then use the [Verification of Employment - Payroll](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/voe-payroll/index.md) report to reverify employment prior to closing.

<br />

See
[MVS_Reports_Guide.pdf](https://static.developer.mastercard.com/content/open-finance-us/uploads/reports/lend/MVS_Reports_Guide.pdf) (76KB)
for a consolidated summary of this information.

### Bundling {#bundling}

* Some of the above products can be bundled into one price as part of an
  "MVS Report Bundle" product. The products are still ordered separately
  but are billed as one bundle. Talk to your account representative for
  more information.

* Some Data Connect Full experiences are set up such that multiple reports
  can be ordered from one Data Connect experience. Look for [Data Connect Full Experiences](https://developer.mastercard.com/open-finance-us/documentation/products/lend/generating-reports/index.md#data-connect-full-experiences) with "mvs" in their name.

## Sending Reports to Government Sponsored Enterprises {#sending-reports-to-government-sponsored-enterprises}

Our MVS reports are supported by Fannie Mae's Desktop Underwriter (DU)
and Freddie Mac's Loan Product Advisor (LPA) Automated Underwriting
Systems (AUS). MVS reports are fully Day 1 Certainty (D1C) approved at
Fannie Mae and Asset and Income Modeler (AIM) approved at Freddie Mac.

Contact your Fannie Mae/Freddie Mac reps for more information
on how to use these products within their systems, and feel free to
reach out to your Mastercard account manager with questions about
Mastercard products.

When submitting the loan to the AUS, the lender
will use the consumer's portfolio ID as the reference ID. The AUS will
then use the portfolio ID to retrieve the report data directly from
Mastercard.

### Portfolio ID Usage {#portfolio-id-usage}

Every consumer that is created and has reports generated is assigned a
portfolio ID which is included in all the reports
ordered for that consumer.

The portfolio ID is used to link all other
reports generated for the same consumer. Every time the same consumer's
reports are refreshed, or a new report is generated, the portfolio ID
version number increases by one.

The portfolio ID without the version
number will always give you the latest version of all the reports within
the portfolio.
Tip: When submitting the portfolio ID to AUS, we recommend sending the portfolio ID without the version number.

#### Portfolio ID Example {#portfolio-id-example}

During the loan fulfillment process for a single consumer, a lender
generates a Verification of Assets and Income (VOAI) report, refreshes
that report, and then orders a Verification of Employment (VOE) --
Transactions report at closing. The portfolio ID version numbers are
stored as follows:

* `wuvvu8qgaxh0-1-port` (VOAI)

* `wuvvu8qgaxh0-2-port` (VOAI Refresh)

* `wuvvu8qgaxh0-3-port` (VOE - Transactions)

In this case, when submitting the portfolio to the AUS, the portfolio ID
without the version number (`wuvvu8qgaxh0-port`) should be used.

#### Portfolio APIs {#portfolio-apis}

You can use the below endpoints to retrieve the reports associated with a portfolio ID.

API Reference: `GET /decisioning/v1/portfolios/{portfolioId}`


API Reference: `GET /decisioning/v1/customers/{customerId}/portfolios/{portfolioId}`


API Reference: `GET /decisioning/v1/consumers/{consumerId}/portfolios/{portfolioId}`

## Testing {#testing}

Refer to [Test Profiles -- MVS Profiles](https://developer.mastercard.com/open-finance-us/documentation/integration-and-testing/test-the-apis/index.md#mvs-profiles)
for a list of all the MVS test profiles. Each profile is set up with a
combination of one or more of the following:

* a Banking User ID/Password (for products that use transaction data)
* a link to download test paystubs (for products that use paystub data)
* payroll account login details for products that use payroll data (payroll login details are listed separately - see [Payroll Profiles](https://developer.mastercard.com/open-finance-us/documentation/integration-and-testing/test-the-apis/index.md#payroll-profiles)).

<br />

Note that most profiles are set up to match specific GSE (Fannie
Mae/Freddie Mac) test profiles, so that when you are doing full end to
end testing, you can be sure to use a test profile that will match the
other information (credit, identity, etc.) for the loan.