Written Verification of Employment (WVOE) Loan Programs

Are you a borrower who receives consistent income through employment but finds it difficult to provide traditional documentation like pay stubs or tax returns? Our Written Verification of Employment (WVOE) Loan Programs offer the flexibility you need to qualify for a mortgage without requiring extensive income documentation. These Non-QM (Non-Qualified Mortgage) loans are designed specifically for borrowers who might not meet the strict criteria of conventional mortgage programs.

WVOE Mortgage Program Highlights

What is a WVOE Loan?

A WVOE Loan allows borrowers to qualify for a mortgage using a Written Verification of Employment (WVOE) instead of providing the traditional documentation like pay stubs, W-2s, or tax returns. The WVOE document is typically filled out by your employer and provides verification of your income directly from the source.

These loans are part of our Non-QM loan options, making them perfect for individuals whose financial situations might not fit the traditional mold but who still have steady, verifiable income. Whether you're employed on a salary or hourly basis, this program can work for you.

Benefits of WVOE Loans:

• No Pay Stubs or Tax Returns Required: Qualify based on your employer's written verification of your income.
• Flexible Income Documentation: Ideal for borrowers who might not have consistent pay stubs or clear documentation of income.
• Available for Various Employment Types: Whether you're salaried or hourly, a WVOE loan can help.
• Higher Loan Amounts Available: Non-QM loans often allow for higher loan amounts compared to traditional loans.
• Fast and Simple Process: The verification process can be faster than gathering traditional income documentation, allowing for a smoother path to closing.

Who Should Consider a WVOE Loan?

WVOE Loans are ideal for borrowers who:

• Do not have traditional income documentation, such as recent pay stubs or tax returns.
• Have a consistent income verified by their employer.
• Want a more flexible approach to mortgage qualification compared to conventional loans.

This loan is also well-suited for borrowers who are salaried but might face difficulties in showing consistent pay or tax records due to a recent job change or other factors that can complicate the traditional mortgage approval process.

Key Features of WVOE Loans:

• Loan Amounts Up to $5 Million: Borrow what you need for your home.
• Low Documentation Requirements: Written verification from your employer simplifies the qualification process.
• Flexible Credit Requirements: We look at your full financial picture, so even if your credit score isn’t perfect, you may still qualify.
• Multiple Property Types: Available for primary residences, second homes, and investment properties.
• Competitive Interest Rates: Enjoy the benefits of a Non-QM loan while securing competitive terms.