The process: 1) confirm employer can complete Form 1005 → 2) pre-approval → 3) find home & apply → 4) sign Part I → 5) employer completes Part II → 6) appraisal & underwriting → 7) verbal VOE & clear conditions → 8) close. See Requirements.
On this page
The 8 steps to your keys
Confirm your employer can complete Form 1005
Check that HR/payroll will complete a WVOE & roughly how fast. Removes the main delay.
Get pre-approved
ID, credit & verification authorization → price & payment you qualify for. No tax returns.
Find your home & apply
Shop within pre-approval; complete the app with contract. We match you to a specialty VOE lender.
Sign Form 1005 Part I
You authorize the release — you never enter your own income.
Employer completes Part II
Lender sends the form directly to your employer, who fills in income & certifies it.
Appraisal & underwriting
Appraisal ordered; underwriting reviews verified income, credit, reserves & property.
Verbal VOE & clear conditions
A quick VVOE near closing confirms you're still employed → clear-to-close.
Close & get the keys
Sign, fund down + costs. Light docs often mean a competitive timeline.
What each stage needs
| Stage | What you provide / expect |
|---|---|
| Employer check | Confirm HR/payroll will complete Form 1005 |
| Pre-approval | ID, credit, verification authorization |
| Application | Purchase contract |
| Form 1005 Part I | Your signature (authorization only) |
| Form 1005 Part II | Employer completes & certifies income |
| Underwriting | Appraisal, reserves, conditions |
| Verbal VOE | Phone confirmation near closing |
| Closing | Signed docs, down payment + costs |
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 from offices in Newport Beach and Marina del Rey.