# Mortgage Lending
source: https://developer.mastercard.com/open-finance-us/documentation/usecases/mortgage-lending/index.md
As a mortgage lender, use our Mortgage Verification Service (MVS) to increase efficiency, reduce costs, and improve the lending experience for you and your borrowers. MVS integrates seamlessly into your workflow and helps you verify a borrower's assets, income, and employment information -- giving you access to information you need to make confident lending decisions.
###### **Use Case**
### Mortgage Lending
Launch Demo
With hundreds of mortgage lenders using this solution, Mastercard has positioned itself as the industry's top choice for a one-stop shop for assets, income and employment solutions. Because Open Finance data is multi-purpose, more and more lenders are finding innovative ways to apply the benefits of the solution.
### How it Works {#how-it-works}
#### Overview {#overview}
Through the [Mastercard Data Connect application](https://developer.mastercard.com/open-finance-us/documentation/connect/index.md), mortgage lenders can place the consumer Open Finance data account linking experience into their workflow; either directly embedded into their online loan application, as a task in a borrower portal, or via an email to the borrower. Once the data is permissioned by the consumer, the verification reports are created and made available to the lender for underwriting review.
#### Implementation {#implementation}
Refer to [Generating Reports](https://developer.mastercard.com/open-finance-us/documentation/products/lend/generating-reports/index.md) and [Mortgage Implementation](https://developer.mastercard.com/open-finance-us/documentation/products/lend/mortgage-implementation/index.md) for technical details.
#### Automated Underwriting System Support {#automated-underwriting-system-support}
Our MVS reports are supported by Fannie Mae's Desktop Underwriter (DU) and Freddie Mac's Loan Product Advisor (LPA) Automated Underwriting Systems (AUS) and through the Day 1 Certainty (D1C) and Asset and Income Modeler (AIM) programs.
Please work with 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.
### Products {#products}
The following products are commonly used for Mortgage Lending:
* [Verification of Assets](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/voa/index.md)
* **Note for mortgage use**: 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 for automated 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)
* **Note for mortgage use**: Regardless of how much transaction history is requested by the lender when generating the report, up to twenty-four months of full transaction history is provided to Freddie Mac and Fannie Mae for automated assessments when you submit the report to the corresponding AUS.
* [Verification of Income and Employment -- Paystub (with TXVerify)](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/voie-paystub/index.md)
* **Note for mortgage use**: 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 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 Employment -- Transactions](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/voe-transactions/index.md)
* **Note for mortgage use**: Often used to fulfill pre-closing verification of employment needs. If the consumer connected their bank accounts during the loan application process (via the VOAI or VOA products), the VOE - Transactions product can be ordered at closing without re-engaging the borrower as long as the accounts are still connected and consent is active.
* [Verification of Income and Employment -- Payroll](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/voie-payroll/index.md)
* **Note for mortgage use**: This report attempts to link to Payroll data providers to confirm income and employment and provides all necessary income and employment URLA data.
* [Verification of Employment -- Payroll](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/voe-payroll/index.md)
* **Note for mortgage use**: Often used to fulfill pre-closing verification of employment needs. If the consumer connected their payroll accounts during the loan application process (via the VOIE -- Payroll product), the VOE -- Payroll product can be ordered at closing without re-engaging the borrower as long as the accounts are still connected and consent is active.
Note: 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.
## Next Steps {#next-steps}
### Quick Start Guide {#quick-start-guide}
Get started with using Mastercard Open Finance APIs in less than 30 minutes.
[Get Started →](https://developer.mastercard.com/open-finance-us/documentation/quick-start-guide/index.md)
### API Reference {#api-reference}
Find detailed explanation of all resources available through Mastercard Open Finance API.
[Learn More →](https://developer.mastercard.com/open-finance-us/documentation/api-reference/index.md)
### Postman {#postman}
Run the Postman Collection to start using Open Finance API without the need to write any code.
[Learn More →](https://developer.mastercard.com/open-finance-us/documentation/integration-and-testing/postman-collection/index.md)