Setting up Freddie Mac AIM Check

This guide walks you through everything you need to use Freddie Mac's Asset and Income Modeler (AIM) Check with Ocrolus from the one-time setup with Freddie Mac and Ocrolus, to running the income calculation, reviewing results, and importing the certificate into Encompass. Once setup is complete, see the Freddie Mac AIM Check integration guide for a full reference on the integration.

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Part 1 - One-time setup

Complete these steps once to connect Ocrolus to your Freddie Mac account and enable AIM Check for your organization.

Step 1: Confirm your Freddie Mac Seller/Servicer number

You must be a Freddie Mac–approved Seller/Servicer. Locate your Seller/Servicer number, you'll provide it to Ocrolus in Step 3. If you don't have one, register with Freddie Mac first.

Step 2: Register Ocrolus using the Freddie Mac Tools Request Form

Visit the Freddie Mac Tools Request Form and select AIM API Relationship. Fill out your company information, then enter Ocrolus in the Integration Vendor Name field and [email protected] in the Integration Vendor Email field. This authorizes Freddie Mac to accept AIM Check requests submitted on your behalf by Ocrolus.

Step 3: Provide your Seller number to Ocrolus

Send your Freddie Mac Seller/Servicer number to your Ocrolus contact or Implementation team. Ocrolus configures it on your organization and enables Freddie Mac as a loan program on the wage-earner tab.

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Part 2 - Running the Freddie Mac income calculation

Once Part 1 is complete, follow these steps to run an AIM Check on a loan and use the results.

Step 1 : Get the borrower's documents into the Book

Get the borrower's pay stubs and W-2s into the Book, either through your Encompass integration or by uploading them directly in the Dashboard, and let Ocrolus classify and extract them. This works the same way as the Fannie Mae income calculator. At minimum, provide one pay stub and one current-year W-2.

Step 2: Select Freddie Mac on the wage-earner tab

Open the borrower's wage-earner tab in Analyze for Mortgage. Freddie Mac is the default loan program as soon as Freddie Mac is selected in the loan-program drop-down. Ocrolus runs the income calculation automatically. There is no separate button to press.

Step 3: Review your results

When the calculation succeeds, the wage-earner tab shows the result. Read the following two outcomes together:

• Assessment (AIM900): Confirms Freddie Mac processed your request successfully. The status should reflect to AIM900. This does not by itself mean the income is eligible.
• Eligibility (AIM1000): Indicates whether each income type qualifies for representation-and-warranty (R&W) relief.

If Freddie Mac cannot assess the income or the request has a data problem, an error message is returned on the tab. To learn more about the common error messages, error code, and how to resolve them, see the Troubleshooting and Known error sections.

Step 4: Switch to a manual calculation (optional)

If you'd rather use Ocrolus's own income calculation, select the Ocrolus option using the radio button on the right-hand side of the wage-earner tab. You can switch back to Freddie Mac at any time.

Step 5: Re-run the calculation (optional)

If you update the documents or want to submit again, select the refresh re-run button to run the Freddie Mac income calculation again.

Step 6: Download the certificate or import to Encompass

Download the Freddie Mac certificate PDF from the wage-earner tab. If your loan is connected via Encompass Partner Connect, select Import to Encompass to write the certificate titled Freddie Mac AIM Check Assessment, and the Freddie-derived income back to the loan.

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Troubleshooting