As the mortgage industry’s go-to provider for direct source VOA and VOI/E data, FormFree helps lenders understand credit risk like never before. Our patented AccountChek® and Passport® products open doors to more inclusive credit decisioning by revealing each customer’s true ability to pay (ATP®). FormFree’s paperless experience dramatically reduces origination timelines and offers automated analysis and standardized report delivery using a secure ReIssueKey®. Our direct source asset, income, and employment data helps lenders operate more efficiently, mitigate risk, and improve the borrower experience. With $3 trillion in loan verifications completed through 48,000 FI connections and 35 of the nation’s leading payroll providers, FormFree covers 85% of U.S. workers. An authorized report provider for both Fannie Mae and Freddie Mac, our reports can also be utilized for FHA, VA, USDA, Non-QM and Jumbo products. A HousingWire TECH100™ company for eight years, FormFree is based in Athens, Georgia.