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WVOE Loans

Simplify Your Home Loan with a Written Verification of Employment

Wage earners who want to avoid the hassle of gathering tax returns, pay stubs, or W-2s can now qualify for a mortgage using just an employer-completed form. Our WVOE Loans are designed for traditionally employed borrowers who prefer a simplified process—making it an ideal low-documentation mortgage solution.

With just a written verification of employment (WVOE), you can qualify for a home loan that fits your financial profile—even if your income includes bonuses or commissions. Whether you’re purchasing your first home, refinancing, or investing, this Non-QM program makes approval easier and faster.

Min FICO: 620 Max LTV: 85%

Why Choose Our WVOE Mortgage Program?

  • No W-2s, tax returns, or pay stubs required

  • Simple employer verification replaces standard income docs

  • Great for borrowers with bonus income, overtime, or commissions

  • Available for primary residences, second homes, and investment properties

Borrowers who benefit from our other low-doc options—like bank statement loans or P&L-based self-employed mortgages—will find WVOE to be the perfect fit for W-2 income earners looking to streamline their loan process.

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Key Program Features

  • Loan amounts up to $3 million (exceptions available)

  • Purchase, refinance (cash-out or rate-term), and investment options

  • No W-2s or pay stubs required—just a written form from your employer

  • 2-year employment history required (in same line of work)

  • Permanent and non-permanent residents eligible

  • Gift funds and seller concessions accepted

  • Up to 55% DTI on primary residences (with 700+ FICO and LTV ≤ 80%)

Frequently Asked Questions (FAQs)

1. What is a WVOE loan and how does it work?

A WVOE loan lets you qualify for a mortgage using a form completed by your employer that verifies your income and job history—no tax returns or pay stubs required.

2. Who is this loan for?

This loan is ideal for W-2 wage earners with stable jobs, especially those who earn variable pay like bonuses or commissions and don’t want to submit full income documentation.

3. What information is required from my employer?

The employer must confirm your start date, current employment status, and provide both year-to-date and prior-year income figures. This is usually done via a standard verification form.

4. Is this program available for investors?

Yes! The WVOE loan can be used for primary residences, second homes, or investment properties—offering flexibility not often found in traditional W-2 income loan programs.

5. Are there restrictions on employment types?

Employment must be verifiable with a stable 2-year work history. Full-time and part-time positions may qualify, but income must be consistent and documented through the written form.

Ready to Qualify Without Tax Returns?

If you’re a full-time employee or commission earner who wants to avoid excessive paperwork, a WVOE loan is the simple, flexible solution you’ve been looking for. Skip the pay stubs—keep the approval power.

Contact Foundation Mortgage today and ask about our streamlined WVOE loan options for W-2 employees.