VOE-Only Loans
Mortgage program that uses verification of employment in place of tax returns, pay stubs, and W-2s.
A VOE-only loan uses a Verification of Employment form completed by the borrower's employer in place of traditional income documentation like pay stubs, W-2s, or tax returns. The employer signs off that you work there, what you earn, and how stable the position is, and that's the foundation for income qualification.
VOE-only is helpful in two very different situations. First, for borrowers whose income is hard to document traditionally (commission-heavy roles, bonus-heavy roles, recent job changes, or non-traditional pay structures). Second, for salaried W-2 borrowers who simply want a faster, lighter-paperwork path to qualification.
This is one of the more streamlined non-QM programs. When it fits, it can meaningfully reduce time-to-close.
Specific terms vary by lender, program, and borrower profile. All loans are subject to credit, income, property, and underwriting approval. Not a commitment to lend.
Have a different question? See all mortgage FAQs or get in touch .
Mortgage program that lets self-employed borrowers qualify using personal or business bank statements instead of tax returns.
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Multiple paths to mortgage qualification for business owners, contractors, freelancers, and other self-employed borrowers.
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Non-qualified mortgages designed for borrowers whose situations don't fit the standard conventional or government underwriting box.
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