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.
- 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