Non-QM · CPA Prepared P&L / WVOE
A licensed CPA prepares the profit-and-loss, or an employer verifies the income directly.
A third party attesting to your income is worth real money in this market: the rate is lower and the leverage higher than on a self-prepared statement, because the underwriter is not relying on the borrower alone.
The same logic applies to a written verification of employment. Either route replaces two years of tax returns with a single, verifiable document.
How it works
Or your employer completes the verification form — we send both.
Licence lookup for the CPA; direct contact with HR for a WVOE.
Three weeks is typical.
Questions
WVOE if someone else signs your pay; CPA P&L if you sign your own. They price about the same.
Yes, to confirm the form is genuine. It is a short call to verify the signer, not a discussion of your loan.
Guidelines shown are typical for this programme and are not a commitment to lend. Overlays vary by investor and change without notice; your file is priced and approved on its own facts.
Three minutes of questions and you'll see whether this programme fits — no credit pull.
