VOE Home Loan (Verification of Employment)

NO more W-2’s & Paystubs for Salaried Borrowers

Easy Documentation, Low Documentation Loans, Low Doc, No Doc  Call it what you want It is not a program it is a full doc loan with a VOE replacing income documents 

Competitive Rates

Salaried borrowers only

660 FICO

Cash-Out Refinance: 70% LTV/CLTV

R/T & Purchase: 80% LTV/CLTV

Available Programs

􀂃 FNMA Conforming

􀂃 High Balance Conforming

􀂃 DU Refi Plus

Following Incomes are NOT qualified for VOE (VOE Doc Type = Base Salary Only)

(If borrower use following Income as qualifying income, 2 years Tax Return will be required)

- Investment income related (interest/dividend,

capital gain, rental property, trust income, royalty

income, etc)

- Other income related (alimony, automobile

allowance, retirement/pension, social security,


- All sales position

- Considers contract borrowers (borrowers who are

paid on a contractual basis as independent

"contractors") as self-employed borrowers.

- Rental Income

- Bonus Income

- Overtime Income

- Commission-Paid Borrowers

- Gratuities and tips (waiter & waitress etc.)

- Part-time or Second-job Income

- The salary increase will begin prior to or within 30

days of the first payment date of the mortgage.

- Partial Year Paid Borrowers - Certain borrowers

(such as teachers or forest fire fighters) may be

paid for only part of the year.

- Seasonal Income

- Military Income

- Union Member Borrowers

Income is reasonable compared with submitted assets and credit profiles.

Additional documentations such as W-2, Paystub or Tax Return can always be requested upon verification.