VOE Only Mortgage Options

VOE Only Mortgage

Simplify your mortgage process with income verification through Verification of Employment.

What Simplifies the VOE Only Mortgage Process?

The Verification of Employment (VOE) Only Mortgage is your shortcut to homeownership, designed for wage earners and salaried workers with stable jobs but limited traditional financial documentation. Forget tax returns, W-2s, or pay stubs—your employer's verification of your income and two-year employment history is all it takes to qualify. This program offers faster approvals and flexible terms, perfect for first-time buyers or those seeking luxury homes without the hassle of extensive paperwork.

Simplified Process
Qualify with a Verification of Employment, reducing documentation needs.
Fast Approvals
Streamlined process for quicker loan closings, often in 20 days.
High Loan Limits
Borrow up to $5 million for your primary residence.

Key Features of VOE Only Mortgages

Loan Amounts Up to $5 Million
Finance primary residences, including luxury homes, with loans up to $5 million.
VOE-Based Income Verification
Requires 2 years with the same employer, verified via a VOE form completed by the employer.
Down Payment Flexibility
As low as 15% down with a 720 FICO, or 20% standard; 100% gift funds allowed.
Reserves Requirement
Maintain 6-12 months of reserves to demonstrate financial stability.

Is a VOE Only Mortgage Right for You?

VOE Only Mortgages are ideal for salaried workers or wage earners with steady employment but limited traditional documentation. Unlike Conventional or FHA loans, which require extensive financial records, VOE loans streamline the process with employer-verified income, offering flexibility for those who can't provide tax returns or pay stubs.