WVOE (Written Verification of Employment) Loans offer mortgage brokers a streamlined solution for borrowers who earn a steady income but may not have traditional tax documentation readily available.

Instead of requiring pay stubs or tax returns, these loans rely solely on a written verification of employment from the borrower’s employer to confirm income and job stability.

This makes WVOE Loans ideal for W-2 employees with variable income, such as those earning bonuses, overtime, or commission-based pay.

By offering this flexible loan option, brokers can help more borrowers qualify, speed up the loan process, and close more deals with less paperwork. With WVOE Loans, brokers can expand their client base while providing a simplified path to homeownership for eligible borrowers.

Program Features

• Minimum Fico Score 660
• LTV’s up to 80%
• Loan Amounts up to $2.0M
• DTI’s up to 55%
• Primary/Second Home/Investment properties
• First Time Home Buyers OK
• No 4506-C or tax returns required
• Appraisal Transfers Accepted