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How to Request Additional Paystubs via Encompass

How can I access more paystubs if I need to verify a pay increase or bonus?

For most loans, Truv automatically delivers the most recent paystubs to your eFolder to keep your files clean and concise. However, for cases involving variable income, commissions, or recent pay raises, underwriters often need a deeper look at historical data.

You can now request and download additional historical paystubs directly within the Truv interface in Encompass without having to contact the borrower for more documentation.

Why don't I see all available paystubs by default?

Lenders are often sensitive to "data over-disclosure." To prevent underwriters from having to investigate unnecessary income fluctuations or gaps, Truv uses Customization Templates to limit the initial upload to only the most relevant documents (typically the last 6 paystubs).

When should I use the "Request Additional Paystubs" feature?

This feature is ideal for the 2-4% of loans that require extra scrutiny, such as:

  • Income Fluctuations: Proving a year-over-year bonus or commission trend.
  • Pay Increases: Evidence of a salary change by comparing "before and after" stubs.
  • Government Loans: When specific 90-day windows are required for compliance.

How do I pull these extra documents into my loan file?

If the data is available from the payroll provider, you will see a "Download Additional Paystubs" button within your Truv dashboard in Encompass.

  1. Select the specific pay dates you need from the list of available statements.
  2. Click to download.
  3. The documents will be uploaded directly to your Encompass eFolder (usually within 10 seconds).

What is the maximum history I can retrieve?

While this depends on the specific payroll provider, Truv can typically access over 2 years of paystub history and End of Year (EOY) summaries.

Will this trigger a new request to the borrower?

No. This feature pulls from the data already extracted during the initial Truv link. It allows you to access "hidden" historical data that was filtered out by your initial template settings, meaning no extra friction for your borrower.