Borrower Verifications
One account · Coordinated support · Multiple verification services

Mortgage borrower verification services from one trusted partner

ISC coordinates income and employment verification, Social Security number verification, tax transcripts, flood determinations, screening services, and undisclosed debt monitoring through one support team and supported mortgage workflows.

One account, one invoice, and one ISC support team across supported verification services.

Get started today → Call 800-290-2801
Fast Turnaround
Multiple Verification Types
One Invoice
Compliance-Focused
Dedicated Rep

Mortgage verification services through one ISC account

Managing income, employment, identity, property, and screening verifications across multiple providers can create extra logins, invoices, and follow-up. ISC helps consolidate supported services under one account and one support team.

Electronic and screening verifications

Electronic

SSA-89 / SSN Verification

Consent-based Social Security number verification using SSA-supported verification channels. Confirms whether the consumer's identifying information matches Social Security records. Required consent and processing method depend on the verification service used.

Property

Flood Zone Determination

Flood zone determination for the subject property to support applicable lender flood requirements. Life-of-loan monitoring is available where supported by the selected service.

Screening

Eviction Report

Searches available eviction-related records for applicable screening or underwriting workflows. Coverage, record availability, and permitted use vary by source and jurisdiction.

Public records

Liens & Judgments

Searches available lien and civil judgment records that may be relevant to mortgage or screening workflows. Coverage and record availability vary by source and jurisdiction.

Screening

Criminal Background

Criminal background screening for applicable business-use cases, subject to permissible purpose, consumer authorization requirements, and applicable law.

Automated income and employment verification

Automated

The Work Number® VOI/VOE

Income and employment verification through The Work Number by Equifax, using employer-reported records where available. Turnaround and the amount of employment or income history returned depend on the records available for the borrower.

Automated

Experian Verify™ VOE/VOI

Payroll-based income and employment verification through Experian Verify where employer records are available. Experian Verify supports mortgage workflows and is eligible for Fannie Mae DU and Freddie Mac LPA income and employment validation solutions.

Manual verification and tax transcripts

Typical: 2–3 days

Manual VOI / VOE

Manual income and employment verification when automated records are not available. ISC contacts the employer and documents the response. Typical turnaround is 2–3 business days, subject to employer responsiveness and the lender's documentation requirements.

Typical: 4–5 days

Tax Transcripts

IRS tax transcript retrieval for income verification through the IVES process using Form 4506-C where applicable. ISC supports the ordering workflow and transcript delivery. Typical ISC turnaround is 4–5 business days, depending on IRS, vendor, and file-specific processing.

Undisclosed Debt Monitoring: reduce pipeline surprises before closing

New borrower debt or credit activity during the mortgage process can affect qualification, documentation, or underwriting. Undisclosed Debt Monitoring gives lenders another way to identify supported credit activity that may need review before closing.

ISC's Undisclosed Debt Monitoring can monitor supported bureau activity during the loan process and provide alerts when selected credit activity is detected, depending on service configuration and bureau coverage, including:

  • New credit inquiries reported by monitored bureaus
  • New tradelines or accounts reported during the monitoring period
  • Balance or payment updates captured by the monitoring service
  • Other supported bureau activity that may require lender review
Follow the applicable investor requirements: Investor and lender requirements for undisclosed liabilities vary. Fannie Mae requires lenders to evaluate potential undisclosed credit when inquiries indicate possible new debt and has published best-practice guidance for lenders using debt-monitoring controls. Follow the applicable investor, AUS, and underwriting requirements for each loan.

ISC also offers mortgage fraud reports and related screening services for supported loan-file workflows. Contact your ISC support team to discuss fraud reports or Undisclosed Debt Monitoring.

Why consolidate verifications with ISC

Benefit 1

One account, one invoice

Supported verification services can be ordered under one ISC account and consolidated into your normal ISC billing workflow, reducing separate vendor administration and reconciliation.

Benefit 2

One support team

Your ISC support team can help coordinate questions and issues across supported verification services, giving your mortgage team a consistent point of contact.

Benefit 3

Coordinated delivery

ISC can coordinate multiple products through supported LOS and platform workflows so your team has a more consistent ordering, delivery, and support process.

Benefit 4

Mortgage-focused experience since 1989

ISC has served mortgage professionals since 1989. When a verification issue comes up, your team can work with an ISC rep who understands mortgage documentation and can help route the request to the appropriate next step.

Related ISC products

Bundle with

Mortgage Credit Reports

Order credit and verifications on the same account.

Learn more → Score work

Rapid Rescore

When documented credit changes need to be reflected quickly, submit eligible updates for bureau review. Results are not guaranteed.

Learn more → Updates

Credit Supplements

Documented supplement processing when verifications reveal changes.

Learn more →