A Faster, Safer Way to Share Your Financial Information

Getting a mortgage means verifying your income and employment. Here is how RWM Home Loans makes that part of the process quicker, safer, and a lot less stressful.

Buying a home already comes with a long list of things to track. As part of the mortgage process, RWM Home Loans reviews income, employment, and asset information to understand a borrower’s financial picture and to meet applicable documentation requirements. Traditionally, that has meant collecting pay stubs, bank statements, and other paperwork, which can sometimes be time-consuming for borrowers to gather. That is why RWM uses a technology called Argyle to help simplify the process while keeping your information secure.

Before approving a mortgage, RWM Home Loans reviews income, employment, and asset information to help determine whether a borrower can comfortably support the loan and to satisfy applicable mortgage documentation requirements. Traditionally, that process has relied on collecting pay stubs, W-2s, bank statements, and other documents that can sometimes be incomplete, outdated, or require additional follow-up. With Argyle’s secure digital verification process, borrowers can share information directly from their payroll provider or financial institution, allowing RWM to access more current information directly from the source. This can help reduce missing documentation, minimize back-and-forth requests, and create a smoother experience from the beginning of the loan process.

When your loan officer uses Argyle, you connect your payroll or bank account the same way you would log into any other account online. You choose what to share, and you send it straight from the source. There is no hunting for a PDF of your last two pay stubs, and no trying to remember the login for a portal you used once, years ago. Once you connect your account, you share your income and employment information directly from your payroll provider or bank, and it goes straight into your loan file. That means fewer emails asking for a document you already sent, and fewer trips back to your HR department for a letter confirming what you do for a living. Here is what the process looks like, start to finish:

1. Connect your account Your loan officer sends you a secure link. Simply sign in to your payroll provider or financial institution using your existing credentials.
2. Choose what to share Review the available information and select the accounts and data you want to provide. You remain in control throughout the process.
3. Information is sent securely Your income and employment information is delivered directly into your loan file for your RWM team to review.

Many borrowers are able to complete all three steps in just a few minutes, often from their phone.

Not all income information is treated the same way by the organizations that back most U.S. mortgages, Fannie Mae and Freddie Mac. When income and employment information is shared through Argyle, it may help satisfy certain documentation requirements used in the mortgage review process, depending on loan type and borrower circumstances.

By reducing the need for manually collected documentation, RWM can often review information more efficiently. By securely sharing information directly from the source, many borrowers spend less time gathering paperwork and responding to follow-up requests. The result is a smoother experience from application through closing.

If you’ve ever emailed a pay stub or bank statement, you may have wondered whether there was a more secure way to share that information. While email remains a common way to share documents, many borrowers prefer a more secure option when handling sensitive financial information.

Sharing your information through Argyle works differently. Your data moves through an encrypted connection, directly from your payroll or bank account to your lender, without sitting in an inbox or a downloads folder along the way. You stay in control of what you share and when you share it.

You can connect your accounts through a wide range of payroll platforms and with most major banks and credit unions, whether you are paid through a large national payroll system or a small local business. If you are a gig worker, a freelancer, or you hold more than one job, you can typically connect each of those accounts too, helping provide a more complete view of your income sources during the loan review process.

Chances are, wherever you work and wherever you bank, you can link your accounts in just a few steps. And if something is not supported yet, you can always fall back to submitting documents the traditional way. Connecting your accounts is meant to save you time, not become one more hurdle.

Getting a mortgage will probably always involve some level of documentation. But thanks to solutions like Argyle, it no longer has to mean digging through paperwork, scanning documents, and wondering whether everything was received. At RWM Home Loans, we are always looking for ways to make the mortgage process simpler, safer, and more convenient for our borrowers. If you are purchasing a home or refinancing with RWM, ask your loan officer about connecting your accounts through Argyle. It is a simple step that can help make your loan experience smoother from application to closing.