A VOE-only mortgage qualifies W-2 wage earners using a Verification of Employment form from the employer — often without paystubs, W-2s, or tax returns. It's a niche program for employees whose income is steady but whose documentation is hard to assemble.
How a VOE-only loan works
The lender sends a standard Verification of Employment form to your employer, who confirms position, dates, and income. That form can stand in for paystubs and returns on qualifying files.
Who it fits
W-2 employees with stable jobs who don't want to (or can't easily) produce years of paperwork, or whose returns are complicated by other factors. It is not for self-employed borrowers — they use bank-statement or P&L loans.
Requirements
A cooperative employer to complete the VOE, a solid credit score, and a down payment in line with non-QM norms (often 10–20%). See our VOE loan program.
Frequently asked questions
What is a VOE-only loan?
A mortgage that qualifies a W-2 employee using an employer-completed Verification of Employment, often without paystubs, W-2s, or tax returns.
Who qualifies for a VOE-only mortgage?
W-2 wage earners with stable employment and a cooperative employer. Self-employed borrowers use bank-statement or P&L programs instead.
Does a VOE-only loan require tax returns?
Generally no — the employer's Verification of Employment stands in for paystubs and returns on qualifying files.