What is WVOE-only qualification?

Written Verification of Employment lets salaried borrowers qualify from employer-verified income when traditional paystubs/W-2s are incomplete or timing is tight — still a full underwrite, not a shortcut around employment history.

When is WVOE better than standard W-2 docs?

Job changes mid-file, missing recent paystubs, or employers that are slow on payroll portals. Your LO will tell you if the target wholesaler accepts WVOE as primary income evidence.

Non-QM & Alternative Doc

Alt-Doc — W-2

WVOE Only (W-2 Employee)

Name: Elite Fundings — California Mortgage Team
Address: 552 E Badillo St, Covina, CA, 91723, US
Telephone: (626) 833-7449
Price range: $$

Qualify on a Written Verification of Employment alone — no paystubs or tax returns.

Available throughout Southern California through Francisco Williams, CCIM, NMLS #1858674.

Apply for this program (626) 833-7449

680

Min FICO

85%

Max LTV

wvoe

Docs

Ideal borrower

W-2 employees whose paystubs or tax returns are awkward (commission-heavy, bonus-dependent).

Program highlights

Employer-completed WVOE as sole income doc
No paystubs
No tax returns

Typical uses

W-2 with complex comp structure

Frequently asked questions

What is WVOE-only qualification?: Written Verification of Employment lets salaried borrowers qualify from employer-verified income when traditional paystubs/W-2s are incomplete or timing is tight — still a full underwrite, not a shortcut around employment history.
When is WVOE better than standard W-2 docs?: Job changes mid-file, missing recent paystubs, or employers that are slow on payroll portals. Your LO will tell you if the target wholesaler accepts WVOE as primary income evidence.

Program details shown are representative guidelines and subject to individual lender overlays and CFPB / agency requirements. Rates shown are illustrative and subject to change without notice. Actual rate, APR, and terms will depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify.