(267) 398-5499

Specialty Program

WVOE Loan

Qualify with a written verification from your employer.

Overview

A Written Verification of Employment (WVOE) loan lets salaried borrowers qualify with a form completed by their employer instead of pay stubs, W-2s and tax returns.

Ideal For

Salaried or hourly employees who want a simpler documentation process.

Program Highlights

  • ✓Employer completes a written verification of employment and income
  • ✓No pay stubs, W-2s or tax returns required
  • ✓Up to 80% CLTV; minimum 620 FICO, with options for borrowers without a score
  • ✓No bank statements required up to 70% LTV; minimum 3 months of reserves

Program terms and eligibility are subject to underwriting guidelines and may vary. 1st 2nd Mortgage Co. of N.J., Inc. is licensed in DE, VA. NMLS # 115981.