Written VOE (Verification of Employment)

Jumbo Loans: Premium Financing for High-Value Properties

Buying or refinancing a home comes with a lot of questions—and we’re here to help you feel more prepared. Use the tools and resources below to explore your mortgage options, crunch the numbers, and get helpful tips from our team.

What is a Written VOE Loan?
A Written VOE loan is a streamlined mortgage that verifies a salaried or hourly borrower's income and job stability directly through a standard written form completed by their employer, bypassing the need for tax returns, W-2s, or pay stubs.
How This Helps the Qualified Borrower (The Big Advantages)
  • Minimal Paperwork for the Buyer: Instead of digging up years of old financial documents, tax forms, and bank statements, your employer confirms your employment status and earnings directly with our team.
  • Faster Processing Time : By reducing the number of personal documents that need to be collected and reviewed, the loan process may be able to move quicker from application to closing day than a traditional mortgage program.
  • May be good for Private Earners: If you have straightforward earnings but prefer a private, low-document lending experience, this may simplify the journey.
How Does a Written VOE Loan Work?
During the application process, you give us permission to contact your company's human resources or payroll department. We send them a secure, standardized form. Your employer fills out your current job title, date of hire, and salary or hourly wage history. We use that verified employer data as the proof of your income.
Quick Qualification Checklist for Borrowers
  • An active position with a stable employer who can verify your information.
  • Contact information for your company's HR or payroll department.
  • A reliable employment history in your current field.
Is a Asset-Based Loan Right for You?
 This option may be a good fit if: You are a standard corporate employee, teacher, medical professional, or hourly worker who wants a quick, highly organized mortgage experience with minimal paperwork.

Loan Program FAQs

Here are answers to common questions about choosing the right mortgage solution.

Let’s Build Your Personalized Loan Strategy

One conversation is all it takes. Schedule your complimentary mortgage consultation today and let’s explore a home loan that works for your unique financial goals.

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