20% Down VOE Program

✅ No Income Documents | ✅ No Tax Returns | ✅ No 4506-C

Looking for a simple, fast mortgage approval without the hassle of full income documentation? Our VOE-Only (Verification of Employment) Program lets you qualify with just a written or verbal confirmation of your job status—no pay stubs, no tax returns, and no IRS verification needed.

Program Highlights

✅ 20% Down Payment Required

✅ No Pay Stubs or W-2s Needed

✅ No 4506-C IRS Form Required

✅ Approval Based on Employment Verification Only

✅ Available for Primary Residences and Second Homes

✅ Faster Closings & Less Paperwork

✅ Great for W-2 Employees with Simple Job Verification

What Is a VOE-Only Loan?

A VOE-Only (Verification of Employment) loan is a non-traditional program that allows you to qualify for a mortgage using just a written or verbal verification from your employer. You don’t need to submit income statements or tax forms. It’s one of the simplest ways for employed borrowers to get approved.

Who Can Benefit?

  • W-2 employees with limited paperwork

  • Borrowers changing jobs or recently employed

  • Those with unfiled taxes or income gaps

  • Clients who prefer privacy and less documentation

Why Choose the 20% VOE-Only Program?

Because life and paperwork don’t always go hand in hand.
This program is perfect if you have a solid job and strong credit—but don’t want to deal with traditional document overload.

Minimal Requirements

20% Down Payment

Verbal or Written VOE (Verification of Employment)

Minimum Credit Score (usually 620+)

Property Appraisal

No income docs, no W-2s, no tax returns, no 4506-C form

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