Written Verification of Employment Only

Welcome to the future of mortgage financing with our innovative program, WVOE (Written Verification of Employment). Say goodbye to the stacks of paperwork and the hassle of gathering various income documents. With WVOE, we simplify the process by relying solely on your employment verification. It’s a game-changer for those looking for a streamlined and efficient mortgage experience.

This WVOE versatile program is open to various occupancy types, making it an ideal choice for a wide range of borrowers. It particularly shines for individuals employed in the restaurant industry, and other cash-based incomes.

  • 30 Year Fixed, 7/6 ARM and 7/6 ARM I/O
  • Bonus, commission, and overtime are allowed under WVOE.
  • No 4506-C, Paystubs or Tax Returns Required
  • Loan amounts to $3,000,000
  • Max DTI 49%
  • 100% gift funds allowed on primary and 2nd Home
  • Assets: The source of large deposits is not required
  • No tradeline requirement with 3 FICO scores
  • Available for Foreign National borrowers
  • Non-warrantable condos allowed
  • Up to Max 80% LTV with No MI

Whether you’re looking to purchase a home for your primary residence, an investment property, or a vacation home, this program provides the flexibility and ease you need to achieve your homeownership goals. Not only is the WVOE program an excellent option for new home purchases, but it also extends its benefits to refinancing. Whether you’re aiming to secure a more favorable rate, tap into your home’s equity, or streamline your mortgage terms, the WVOE program is a versatile solution for your refinancing needs.

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