Non-QM · WVOE
One form, completed by your employer. No pay stubs, no W-2s, no tax returns.
A written verification of employment is a standard industry form on which your employer states your position, start date, and earnings. On this program it is the income documentation — nothing else is required.
It suits commission earners, restaurant and hospitality staff whose reported wages understate what they take home, and anyone whose returns are complicated by a spouse's business.
How it works
A single page; most HR departments return it the same day.
A short call to confirm the person who signed holds the role.
Two to three weeks — this is the lightest documentation we offer.
Questions
Only what the employer will state on the form counts. If a meaningful part of your income is not on that page, a bank statement program will qualify more of it.
Not if they are a party to the transaction. Otherwise the employer signs regardless of relationship, and we verify independently.
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.
