VOE Mortgage Loans

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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


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