Written Verification of Employment (WVOE)

Overview

The WVOE program allows borrowers to qualify using employer verification only—no traditional income documents required.

Eligibility

  • No Pay Stubs, Tax Returns, or W2s Required

  • Employment Type: Wage Earners Only

  • Self-Employed: Not Eligible

  • Family/Related Employment: Not Eligible

  • Income Type: Base Salary Only

    • Commission income not permitted

    • Rental income not permitted

  • Occupancy: Primary Residence Only

  • Gift Funds: Not Permitted

  • Additional overlays may apply. Contact your AE to learn more

Borrower Profile

Ideal for:

  • Salaried employees

  • Borrowers seeking minimal documentation

  • Clients with straightforward employment

Loan Limits

  • Minimum Loan Amount: $150,000

  • Maximum Loan Amount: $5,000,000