Min. FICO 620 Up to 80% CLTV

The WVOE program is a unique category of mortgage solutions that differs from Conventional or Government financing options. This program verifies income through a Written Employer Verification (WVOE) form completed by a borrower's current employer, rather than relying on tax returns. The program provides innovative solutions for borrowers who lack traditional tax returns or W-2s, have complex financial profiles, or have difficulty qualifying for Conventional mortgages.

Program features
  • Loan amounts up to $4 million
  • DTI up to 55%
  • Cash out available
  • Completed FNMA Form 1005 for a 2-year history with the same employer
  • Paystubs, tax returns, 4506-C, or W-2's not required
Why choose our WVOE?
  • Income support tolerance 35%
  • Bank statements not required up to 70% LTV
  • Gift funds allowed
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Program details

FNMA Form 1005
3 months of reserves
No tax returns required 
A two-year history with the same employer is required. For loans with CLTV > 70%, two months of personal bank statements are required
Loan amounts up to $4 million 
DTI up to 55% on owner-occupied 
Min FICO 620 
Up to 80% СLTV
Owner-occupied, second home, and investment properties 
Max cash-in-hand $1 million, no limit for LTV < 55% 
Gift funds are allowed, the borrower must contribute at least 20% from their own funds with a maximum of 80% CLTV. Gift funds are not allowed for CLTV above 80%
0x30x12 and 0x90x24 for Super Prime, 0x60x12 for Prime 
24 months out of credit event for Super Prime, 12 months out of credit event for Prime 
SFR, townhomes, condo warrantable/non-warrantable (limited review), condotel, 2-4 units (not available for 2nd home), PUD, SFR rural, manufactured housing, short-term rentals, leasehold 
30 & 40-year fixed, 5/6 & 7/6 ARM 
120 months of I/O period, 240/360 months of amortization, qualified at amortized PITIA payment after I/O period, IO product not allowed in IL 
US citizenship, Permanent & Non-Permanent Resident, ITIN
Individuals, LLCs/Corp without a hit 
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What is a Written Verification of Employment (WVOE) Loan?

WVOE loans are mortgage programs considered alternative financing because they are neither Conventional nor government-issued loans. They are available through private lenders, but they are non-conforming to the Federal Housing Administration criteria. They only rely on the written verification of employment – thus the abbreviation WVOE loans.

If your client is a wage earner or has trouble meeting the requirements for Conventional mortgages, WVOE loans might work for them. There are regulations and criteria, but the process is much shorter and less stringent.

What is a Written Verification of Employment?

Verification of employment is a widespread practice in the loan application process that banks and lenders use to determine the job stability of the potential borrower. This verification ensures that borrowers have a stable job and a sufficient income and that they do not lie on their applications. There are written and verbal VOEs that all current and previous employers a borrower listed on an application should fill out.

Commonly, applicants must submit W-2 forms, pay stubs, and tax returns to apply for a loan. However, A&D relies only on their employment and credit history with WVOE loans. If your borrowers have proof that they have been working for the past two years in the same company and have a credit score not lower than 620 – they are suitable WVOE loan candidates.

Why use a WVOE Loan?

There are numerous reasons to get a WVOE loan including:

  • Foreign Nationals and Non-Permanent residents can be approved for WVOE loans.

  • WVOEs can work for foreign employers with no rate adjustment.

  • No tax return to use rental income, just a lease agreement is acceptable if it is reasonable.

  • No tax return or pay stub, they can just state their income.

  • The interest rate of WVOE loans can often be better than the Conventional loan rate.
  • The max loan amount of WVOE product or P&L product can exceed the county loan limit eligible for the conforming loan limit.

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