The 411 or reverse search is evidence that the lender did an independent search of the borrower’s employer information in order to complete the written and verbal verification of employment. The 411 can take many forms and can usually be sourced from an online search engine or company website.
Context: Identifying the document.
Search engine format or source website name
Key takeaways: Important information.
Employer name
Employer office address
Employer phone number
Notes on this document:
A valid 411 must include the employer name, office address, and phone number. If any of these elements are missing, the 411 is not valid.
The 411 information must match the employer information in Encompass.