Verbal & Written VOE · No Tax Returns · Fast Qualification

VOE Loans —
Just Verify. No Documents.

Verification of Employment loans qualify you using a simple verbal or written confirmation from your employer. No tax returns, no W-2s, no paystubs in many cases. Just your job and your word.

Apply Now → Call 510-786-8739

Two VOE Options

Verbal VOE vs. Written VOE

We offer both verbal and written VOE programs — the right one depends on your lender and situation.

Verbal VOE

Stated EZ Program

A verbal phone call to your employer confirms your employment and income. No signed VOE form. CPA letter accepted as alternative.

Min FICO: 700

Max LTV: 75%

Max DTI: 38/43%

Max Loan: $4M

No 4506 required

Borrower P&L option

Cash-out allowed

Foreign National allowed

Available: AZ, CA, CO, GA, NJ, TX, VA, WA

Written VOE

VOE Plus / EZ Programs

Employer completes Fannie Mae Form 1005. Better pricing than verbal VOE. Income supported by recent bank statement balance.

Min FICO: 620 (VOE Plus) / 680 (EZ)

Max LTV: 80% (VOE Plus) / 75% (EZ)

Max DTI: 50% (VOE Plus) / 43% (EZ)

Max Loan: $3M (VOE Plus) / $4M (EZ)

Temp buydown available (VOE Plus)

100% Gift up to LTV 80%

Non-warrantable condo OK

Interest only available

Available in most states

Common Questions

VOE Loan FAQs

What is a VOE loan exactly?

A VOE (Verification of Employment) loan qualifies your income using employer confirmation rather than tax returns. The lender verifies your job title, length of employment, and income directly with your employer — either verbally by phone or via a signed form.

Who benefits most from a VOE loan?

W-2 employees whose tax returns are complicated by large deductions, rental losses, or business write-offs. Also helpful for borrowers who value privacy and prefer not to share extensive financial documents.

Does my employer have to participate?

For verbal VOE, the lender simply calls your employer to verify employment. For written VOE, your employer completes a standard form. Most HR departments are familiar with this process.

Can I get a VOE loan for an investment property?

Yes — VOE programs are available for primary residences, second homes, and investment properties. LTV limits vary by occupancy type.

What is the difference between Stated EZ (verbal) and VOE Plus (written)?

Stated EZ requires only a verbal confirmation and allows higher loan amounts (up to $4M) but requires a higher FICO (700+) and lower LTV (75%). VOE Plus uses a written form, allows higher LTV (80%), lower FICO (620), and higher DTI (50%).

Are VOE loans available in California?

Yes — available throughout California including Fremont, Oakland, San Jose, San Francisco, and statewide. Stated EZ also available in AZ, CO, GA, NJ, TX, VA, and WA.

Qualify With Just Your Job Verification

Call us and we'll tell you in 5 minutes whether verbal or written VOE is the right fit. No credit pull, no commitment.