How do you use H2O to verify employment and income?

You can digitally verify employment and income through H2Online (H2O) – and it’s a big time-saver! Note: The Caliber Home Loans, Inc. Verification of Income (VOI) and Verification of Employment (VOE) process provides instant verifications, functions like a work number, and is not applicable to self-employed borrowers.

To begin, access the Employment, Income, and Housing screen by clicking on the “Emp, Inc & Housing” option or selecting “Digital Mortgage” on the blue ladder of success. Once on the page, click the “Order/View Digital Verification” button at the top of the Employment Information page.

Check the box to the left of borrower’s name. Click the “Upload Signed Auth” button. Upload the document by either dragging and dropping it into the window or using the Browse function. Click “Upload”, and then click “Order Digital Verification” to submit your request.

Under “Transaction History,” you’ll see the status updated to “Pending” and the order type to “Digital-Instant.” At the top of the page, you’ll see a message in red text saying your request for the borrower has been submitted. Click the “Refresh” button at the bottom of the window for the report to appear.

Click on the “Reconcile Emp/Inc” button at the top of the window. You’ll see the digital employment records collected from employers to the left, and what you entered to the right. You can either choose to use the employment information you received, or override it to keep what is in H2O. To keep the H2O employment information, check the box under “Keep.” Click “Import & Override” and “Close.”

You’ll see the information updated in the Employment and Income window.