Written Verification of Employment

What is WVOE (Written Verification of Employment)?

A Written Verification of Employment (WVOE) is a form to be completed by a borrower’s current employer to verify specific details about their employment, such as dates of hire, compensation structure (salary, bonus, commissions), and year-to-date earnings.

Program Highlights:

  1. Foreign nationals permitted
  2. 12 months reserves calculated based on Principal and Interest
  3. No requirement for pay stubs, W-2 forms, or tax returns
  4. Gift funds are allowed for down payment
  5. Loan amount can go up to $2.5 million
  6. Down payment can be as low as 30%
  7. Minimum FICO score required is 680
  8. Not available for First-Time Home Buyers
  9. Borrower must not be employed by a family member

Advantages of Written Verification of Employment:

The WVOE process streamlines the verification of a borrower’s employment details by directly confirming key information with the borrower’s current employer. This not only simplifies the mortgage application process but also provides lenders with accurate and up-to-date employment information for better risk assessment.

Whether you are a foreign national seeking financing or looking for a mortgage with specific requirements, the WVOE program offers flexibility and ease of verification without the need for traditional income documentation.

Contact us today to explore how the Written Verification of Employment (WVOE) program can help you secure financing for your home purchase while simplifying the employment verification process.


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  • No obligations
  • No impact on credit score
  • Fast and easy process
  • No documents required