AD Mortgage


YES to Employees without tax returns

  • All transaction types
  • Don’t have to scramble to get tax returns together

  • WVOE is a form completed by your employer that confirms employment and income details

  • Non-QM mortgages are available for those who don’t meet the traditional mortgage requirements

Watch video
Request Info


No Score or FICO 580
Up to 85% LTV for WVOE
Up to 85% LTV for 1099
Loan amounts up to $3 million
DTI 55% Max
Cash out available
Completed FNMA Form 1005 for 2-year history with the same employer

Turnaround Times

24 hours
24 hours
24 hours
24 hours

Easy start

Just 5 simple steps to get this loan program

Choose a program
Start now
Fill form and send the application
We will
reach you back
Submit a Loan

WVOE Frequently Asked Questions

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 599 – 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.

  • 100% gift funds are allowed as long as the income is reasonable.

  • 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.

Request Info

Fill out this field
Fill out this field
Fill out this field
Select state
Select city
Fill out this field
Fill out this field
Please, accept the privacy policy

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.


We’ll contact you as soon as possible


Something went wrong.
Please try again