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VOE Documentation Type

posted Nov 22, 2010, 4:55 PM by Massey Kouhssari   [ updated Feb 15, 2011, 11:23 AM ]
30 and 15 year Fix
Conforming, DU Refi Plus, and High Balance!
VOE Doc Type! 
No W2, No Taxes, No Paystubs
Fully Written VOE form w/Ytd in substitute for W2 & Pay stubs or Taxes
Up to $729,750*NEW
Wage Earner Only
Up to 80% LTV 95% CLTV / Max 45% DTI
Minimum 620 Fico
1-4 Units
Purchase, Rate and Term, Cash Out
Conforming, DU Refi Plus, and High Balance!*
N/O/O Also Available up to 80% LTV
*Contact me for detail, pricing and guidelines subject to change.“A VOE with YTD income may be substituted for the paystub or for the paystub and W2” “The VOE must contain the prior year’s earnings if it is a substitute for 

  • VOE up to 80% with 620 FICO
  • Business Funds may be used for down payment
  • No limit on number of financed properties on Owner-occupied
  • 5-10 financed properties allowed for investment / 2nd Home (Additional Eligibility & Reserve Requirement must be met)
  • 1 Paystub & verbal VOE, if DU approves
  • 1007 & 216, Only if required by DU
  • Rental income allowed WITHOUT 2 year landlord Experience
  • Less than 90 days allowed on flipped properties. (if increase in value more than 25%, 2nd Appraisal is required)
  • Transfered Appraisal allowed (must be HVCC-Compliant)
  • Use 2009 Income with a proof of Tax Filed with IRS
  • Max. Seller Credit for High Balance same as Conforming loan(75.01-80 LTV=6%)
  • Licensed in the following States: California