VOE Mortgages (Verification of Employment) are a type of mortgage program where all of the verification is handled directly with the employer. If you’re a salaried worker or a wage earner, this program could work for you as an alternate type of financing.

Loan Features

• Credit score as low as 650
• 15% down payment on purchase (with 720 FICO)
• Loan amount up to $5 million
• No tax returns, no paystubs, no W2
• Fully completed Verification of Employment confirming 2 years of employment required
• Can use 100% gift

Requirements:

• 2 years employment history with same employer
• Employer must fill out verification of employment form
• 6-12 month reserves