Your employer-verified gross monthly income sets your budget. We fit a housing payment to a target DTI (after your debts), then convert it to a max loan at your rate. Non-QM VOE often allows DTI into the mid-40s–50%. See Requirements.
Estimate your VOE loan
Enter the income your employer can verify on Form 1005.
Educational estimate only — not a pre-approval, quote, or commitment to lend. Your qualifying income is the amount your employer certifies on Form 1005. Actual approval depends on credit, reserves, the property, and lender underwriting. Figures illustrative for 2026.
What the numbers mean
The calculator applies your chosen DTI to your employer-verified income, subtracts existing debts to leave room for housing, removes taxes and insurance, then converts the remaining principal-and-interest budget into a loan amount at your rate and term. Adding your down payment gives an estimated purchase price. The key input is the income your employer will actually certify — everything flows from that.
Reviewed by the licensing team at Save Financial, a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766) founded in 2009 and serving all 58 counties.