Alternative income
Written VOE loans. Let your employer verify your income
Qualify with a written verification of employment instead of tax returns. We shop your loan with 130+ lenders.
What a written VOE loan is
Your employer completes a written verification of employment that confirms your job and income.
The lender qualifies you from that form, so tax returns aren't needed.
Who it fits
- Salaried and hourly employees
- Borrowers who prefer not to provide tax returns
- Employees with recent raises
- Buyers and homeowners refinancing
The steps
How it works with us
- Tell us about your jobYour employer and the best HR contact for the form.
- One soft pullWe check your credit once, without affecting your score, and shop the file with 130+ lenders.
- Get the verificationWe send the form to your employer and follow up.
- CloseWe keep the appraisal, lender and title moving, and get you to closing.
Get ready
What to have on hand
You don't need all of it to start. The application tells you what's missing.
- Photo ID for everyone on the loan
- Your employer's HR contact information
- Bank statements showing down payment and reserves
- Purchase contract or current mortgage statement
Questions
Good to know
Do I need tax returns?
No. The written verification of employment takes their place.
Who fills out the form?
Your employer, usually HR or payroll.
Can self-employed borrowers use it?
Written VOE is for employees. Self-employed borrowers can look at bank statement or 1099 loans.
Can I use it to refinance?
Yes. Written VOE programs work for purchases and refinances.