The full verification suite, every product, one account
Most lenders manage 4–6 different verification vendors. Different logins, different invoices, different reps, different turnaround times. ISC consolidates all of it, so your team makes one call and gets everything done.
Instant results
SSA-89 Verification
Social Security number verification directly from the Social Security Administration. Required for many loan programs. Delivered instantly upon ordering. eCBSV-compliant.
Flood Zone Determination
FEMA flood zone status for the subject property. Instant results. Life-of-loan monitoring available, alerts if flood zone status changes after closing.
Eviction Report
National eviction search. Instant results. Required for borrowers with rental income on certain loan programs. Full national database coverage.
Liens & Judgments
National lien and civil judgment search. Identifies tax liens, civil judgments, and other public record items that may affect the loan or title. Instant delivery.
Criminal Background
National criminal background screening. Instant results. Required for many loan programs and all property management applications.
Same-day results
The Work Number VOI/VOE
Verification of income and employment through The Work Number by Equifax, drawing on a large database of employer-reported records. Often returned the same business day where available, with income and employment history for the past 24 months.
Experian Verify VOE
Employment verification through Experian Verify for employers not covered by The Work Number database. Automated verification with same-day results where available.
Manual verification and tax transcripts
Manual VOI / VOE
Full manual verification of income and employment for borrowers whose employer is not in automated databases. ISC contacts the employer directly and provides a complete FNMA/FHLMC-compliant verification.
Tax Transcripts
IRS tax transcript retrieval for income verification. ISC handles the complete 4506-C process (formerly 4506-T, the IRS updated the form designation), signing instructions, IRS submission, and delivery of transcripts. Typical turnaround: 4–5 business days.
Undisclosed Debt Monitoring, reduce pipeline surprises from application to close
One of the most common causes of last-minute loan fallout is a borrower opening new credit, a credit card, a car loan, a personal loan, between application and closing. This new debt can push the DTI over the limit, trigger a condition, or disqualify the borrower entirely. And you often don't find out until the pre-close credit refresh.
ISC's Undisclosed Debt Monitoring watches your borrower's credit from the original application through closing, alerting you immediately when:
- A new credit inquiry appears on any bureau file
- A new account is opened at any bureau
- A balance change occurs that materially affects DTI
- A new public record appears (judgment, lien, collection)
ISC also offers mortgage fraud reports, including comprehensive fraud detection screening for loan files. Contact your ISC support team to discuss fraud reports or Undisclosed Debt Monitoring.
Why consolidate verifications with ISC
One account, one invoice
All verification types on one ISC account. One invoice at month end, not six separate bills from six vendors. Simpler accounting, simpler reconciliation.
One rep for everything
Your ISC support team handles questions and issues across all verification types. No calling six different support lines. One call. One person who knows your account.
Coordinated delivery
When you need a credit report AND an SSA-89 AND a flood report on the same file, ISC coordinates all three and delivers them through your LOS simultaneously.
Expertise since 1989
ISC has been handling verifications since 1989, long before most current loan officers were in the industry. When a verification comes back with an issue, your rep knows how to solve it, not just escalate it.
Related ISC products
Mortgage Credit Reports
Order credit and verifications on the same account.
Learn more → Score workRapid Rescore
After verifications clear, submit verified updates for borderline scores. Results not guaranteed.
Learn more → UpdatesCredit Supplements
Documented supplement processing when verifications reveal changes.
Learn more →