Your Employment is Your Credit.

No tax returns. No W-2s. No pay stubs. If you have a stable job, you’re already halfway to a new home.

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OVERVIEW

The Lowdown on VOE Only Mortgages…

A VOE Only loan is a streamlined mortgage program designed specifically for salaried or hourly wage earners. While traditional loans require a mountain of paperwork to “prove” your income, this program simplifies everything into one single document: the Written Verification of Employment (Form 1005).

We contact your employer directly to verify your start date, position, and current salary. As long as you have a stable two-year history with your employer (or within the same industry), that verification is all we need to calculate your qualifying income.

This is the ideal solution for employees who receive high bonus or commission income that doesn’t always show up clearly on tax returns, or for those who simply want a faster, more private closing process.

Benefits

Why Choose a VOE Only Loan?

Zero Income Paperwork

Say goodbye to hunting down old tax returns or printing out months of pay stubs. Your employer provides the data, and we do the work.

Privacy & Discretion

Because we don’t request tax transcripts (4506-C), your full financial history remains private. We focus only on your current ability to pay based on your job.

Faster Approvals

By removing the need to analyze complex tax deductions or “write-offs,” our underwriters can move from application to approval in a fraction of the time.

Flexible Income Calculations

If you recently received a large raise or a promotion, the VOE reflects your current earnings, rather than an average of the last two years of tax returns.

High Loan Amounts

This program isn’t just for “starter homes.” We offer VOE Only financing for luxury properties with loan amounts up to $5 Million.

Eligibility

VOE Only Loan Standards

This program is designed for W-2 employees. Self-employed borrowers or those employed by family members are generally not eligible for this specific product.

Requirement Standard Notes
Employment Type W-2 Employee Rates drop significantly at 700 and 740+ scores.
History 2 Years 20% is standard; 15% is possible for high-performing assets.
Credit Score 620+ 1-4 units, Condos, and Townhomes. (No primary residences).
Down Payment 15% – 20% Higher limits available for multi-family portfolios.
Property Type Primary & More Standard for investor loans, but can often be “bought down.”
Employer Check Web Presence Your employer must be a verified business with a public presence.
IS THIS RIGHT FOR YOU?

VOE Only Loans Are Ideal For…

Scenario 1: The Corporate Professional
You have a great salary at a stable company, but your tax returns are complicated due to investments or side businesses. A VOE loan lets you qualify based solely on your corporate income.
Scenario 2: The Recently Promoted Executive
You just moved into a high-paying role. Traditional loans would average your new salary with your old, lower salary. A VOE Only loan uses your new confirmed pay rate immediately.
Scenario 3: The Bonus-Heavy Employee
You work in tech or finance and a huge chunk of your pay is “Performance Bonuses.” We verify the likelihood of those bonuses continuing directly with your HR department to maximize your buying power.
Scenario 4: The Speed-Focused Buyer
You’ve found the perfect home and need to close fast to beat out other offers. The VOE Only process is one of the quickest paths from “Offer” to “Keys.”
VOE Only FAQs

Frequently Asked Questions

Ready to Let Your Career Pay for Your Home?

Your hard work is all the proof we need. Get a quote today and see how simple homebuying can be when your employment does the talking.