WVOE
Available on Prime and Super Prime
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
- Bank statements must reflect deposits from the employer supporting at least 65% of gross income
- Bank statements not required up to 70% LTV
- Gift funds allowed
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Program details
Fast turnaround times
As fast as
24 hr
Disclosure
As fast as
24 hr
Underwriting
As fast as
48 hr