Written VOE (WVOE)
One form from your employer. That is the whole file.
A written verification of employment program qualifies a W-2 employee using a single completed VOE form from the employer, with no pay stubs, W-2s, or tax returns in the file.
What makes this loan different
- Form 1005 completed by the employer is the income doc
- No pay stubs, W-2s, or tax transcripts
- Excellent for borrowers with unreimbursed business expenses
- Primary, second home, and investment eligible
Who this is built for
- W-2 employees whose returns show large write-offs
- Borrowers with complex bonus or overtime patterns
- Anyone who needs an extremely short document list
Why a W-2 borrower would need this
Plenty of employees deduct heavily on their personal returns, receive income through a structure that confuses automated underwriting, or work for an employer whose payroll system produces unusable stubs. A written VOE bypasses all of it and asks the employer one question: what does this person earn.
Because the form comes straight from the employer, the file is short, fast, and unusually clean.
What the form must show
Position, hire date, base pay, and typically two years of earnings history with year-to-date figures. The person signing must be authorized by the company, and the lender will verify the business independently.
What lenders typically ask for
- A fully completed written verification of employment, commonly Form 1005 or the lender's own form, signed by the employer
- A verbal verification of employment close to closing in most cases
- Credit report, ID, and asset statements
Requirements vary by lender and by file. This is a general picture of what is commonly requested, not a checklist for a specific loan.
Worth knowing
The employer has to complete it properly.
An incomplete form, or one returned with fields left blank, stalls the file. Employers that outsource verification to a third-party service sometimes cannot produce the form a lender needs.
Family-owned employers draw scrutiny.
When the borrower is related to the business owner, lenders typically apply additional verification, and some decline the scenario entirely under this program.
Self-employment doesn't fit here.
A borrower who would be verifying their own employment needs a different documentation method. Bank statement or P&L programs are the usual alternatives.
See what this program would take in your case.
We are brokers — this program is shopped across hundreds of wholesale lenders, not quoted off one rate sheet. A short application gives us enough to compare real options.
Program availability, terms, guidelines, and documentation requirements vary by lender and are subject to underwriting and change without notice. This is not a commitment to lend.