Verification Of Employment Program (VOE)

The VOE Loan is designed for W‑2 employees who want an easier path to homeownership with no income documents required.

Why Borrowers Love It:

• No tax returns, W‑2s, paystubs, or 4506‑T required

• 100% gift funds allowed

• Fast disclosures (typically within 24 hours of a complete file

The program requires a valid, verifiable employer to complete a Verification of Employment (VOE) form confirming the borrower has at least two years of employment and providing basic income details.

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