At A&D, we know even salaried or wage earner borrowers sometimes don’t always fit into the traditional mortgage box.  The solution is the new Written Verification of Employment Program.


  • Using base salary or hourly wage only

  • Borrower must be employed with the same employer for at least two years

  • FNMA VOE (Form 1005) is completed by the Human Resource Department, payroll department or Officer of the Company

  • Maximum 50% DTI and 85% LTV, minimum 660 credit score

  • Two months bank statements deposits are needed to support at least 65% of the qualifying income

  • No paystubs, W2s, tax returns or transcripts are required

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