WVOE Only
Apply Today

The WVOE Only Program is for borrowers with stable, full-time employment who do not want to provide traditional pay stubs and W-2s. Instead, a lender-verified WVOE (Written Verification of Employment) completed by the employer is used to verify income. This can especially be beneficial for borrowers with recent job changes or those who prefer minimal documentation.

Key Features:

  • No tradeline requirement w/ 3 credit scores
  • No tax return, W2, or paystubs
  • Non-perm up to 80% LTV
  • Unlimited cash-in-hand
  • Cash-out used for reserves
  • SFR, condotels, condos, 2-4
  • Loan amounts up to $3m
  • 2 months bank statements required