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VOE/VOI orders are completed in less than 12 business hours.


Month after month, year after year, S1 delivers consistent ROI for our clients. 


Mortgage applications containing falsified income and employment data


Source: 2018 FNMA Report


Percentage of underwriters who ask for borrower documentation 2-3 times​ per loan


We simplify that redundancy with sophisticated automation tools.

We push the boundaries to achieve client success for all their verification needs -- all under one roof, one bill! Learn more about our service offerings below. 



* Contact us for product pricing and bundled savings.

+ TRV 4506-C  | Income Verifications

With TRV® Services, you can count on an optimal service to accurately verify individual or business income data from the IRS. Powered by our sister company, NCS, we are an authorized 4506-C report supplier for Fannie Mae’s Day 1 Certainty through DU®. Supplements also available. Results are typically returned by the IRS in 48-72 hours.

Our 4506-C tax return verification provides lenders easy-to-read income verification data. A streamlined, cost-effective tax transcript ordering process designed to reduce the impact that income and identity fraud can have on your bottom line.

+ SSA-89 | SSN Identity Verification

+ SSV SERVICES (Form SSA-89 Processing) We verify that the borrower identity matches the supplied name and address of the SSN holder. We electronically process executed SSA-89 forms with the SSA (Social Security Administration) for GSE compliance using CBSV web services platform. SSV results* are received in less than 60 minutes. Validation options include death master file check, confirm DOB, authenticity, issue date validity, additional name association, fraud alert, and high-risk factors.

* Satisfies Fannie Mae’s standard for the validation of a SSN within Section B2-2-01 of their Selling Guide.

+ VOE Service | Verification of Employment


An all-encompassing verification of employment solution offering speedy turn times for manual, automated, and verbal authentication of employment and income history. Our team focuses on premier customer satisfaction by delivering quality reports with speed, accuracy, and consistency. View Case Study


* For your 20-day closings, ask us about INCOME+, our single page income determination report that uses standardized income calculations using tax transcripts, W2s, and VOE data.

+ Bank Statements & Assets

Third party validation (necessary if Day 1 Certainty) of an borrower applicant’s current bank account balances.

  • Form Free
  • Finicity

+ Lien and Judgement Reports

Order a quick review prior to your Title report to detect if applicant has any outstanding liens and judgements. Instant results. Stand alone or built in as an addon report. Includes undisclosed debt monitoring alerts.

+ Day One Certainty

+DAY 1 CERTAINTY® from Fannie Mae DU validation service Provides lenders and their borrowers the freedom of paper-based processes with a more powerful tool to automate verifications; the benefits include streamlined technology, dynamic underwriting proficiencies, and faster closings. When partnering with SERVICE 1st to electronically verify income data and asset information from its sister company NCS, an authorized report supplier, Fannie Mae clients are eligible for rep and warrant relief on qualified loans.

+ Income Determination Suite

Design engineered to save underwriters up to 40+ FTE minutes ▶ It standardizes accuracy, removes endless document uploads and eliminates multiple stakeholder arguments concerning differing income calculation results. Try it today for 5-day unlimited trail. LEARN MORE Income+ is a suite of one-page reports leveraging validated employment history and IRS financial data. This income determination solution is useful for any mortgage professional looking for a simplified service to calculate borrower income in real time.


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