When it comes to being a leader at helping borrowers with alternative income documentation needs, no one is better than AD Mortgage and two of our most popular options assists those who use WVVOEs or 1099s.

A Written Verification of Employment (WVOE) is a form to be completed by a borrower’s current employer to verify specific details about their employment, such as dates of hire, compensation structure (salary, bonus, commissions), and year to date earnings. At A&D Mortgage, this WVOE form can be used to confirm a borrower’s income.

The same is true for our 1099 Income Program. Instead of tax returns, A&D uses the actual wages from your 1099 form as qualifying income for your new home loan. Together, the 1099 and WVOE options are ways to qualify for a Non-QM mortgage.