[Home]() > VOE Loans # VOE Mortgage Loans Traditional paperwork isn’t always the easiest way to show income. A VOE loan verifies your income directly through your employer instead of using tax returns or pay stubs. This works well for salaried employees who want a more straightforward process. At LBC Mortgage we help simplify the steps so you can qualify without unnecessary documentation slowing things down. - Explore mortgage options that use verification of employment as part of income review - Provide employer details so a lender can confirm your job status - Learn what additional income, asset, and credit documents may be required - Consider financing for a home purchase or refinance - Understand how your employment history and overall finances may affect eligibility - Compare available loan terms, costs, and documentation requirements - Get help preparing your application for lender review - Receive support through the mortgage process from application to closing [Schedule a consultation **]() **Get a quote** First step ** Only takes 1 minute ## Select a loan type - ** Personalized quote - ** Expert guidance Or [Schedule a consultation **]() ## VOE Loans Have you been denied or had your loan application rejected by more stringent loan requirements? A VOE loan may be able to help. With a VOE mortgage, you don’t need W-2’s, pay stubs or tax returns. VOE or Verification of Employment is a type of mortgage program where all of the verification is handled directly with the employer. If you’re a salaried worker or a wage earner, this program could work for you as an alternate type of financing. [https://www.youtube.com/watch?v=pdyCgeiP7-k]() [### We close deals in 20 days on average Begin your mortgage journey now Get my personalized quote **]() ## How to Get the Best Deal with a VOE Loan With the VOE loan program, approval is much faster than through a conventional or [FHA loan](). You’ll need a credit score of at least 680 in order to get the best deal, and a 20% down payment on the home. You’ll also need to have the home as your primary residence. You can use 100% of gift funds to purchase the home as well. In addition, there are flexible loan terms with a *VOE mortgage*. You can choose from a 30-year fixed loan, or a 7/1 ARM adjustable rate mortgage (with the interest paid during the fixed period). Plus, because no tax returns or pay stubs are required, all you need to show is income or have your employer verify your employment for as little as the last two years. ## Loan Features - Credit score as low as 650 - 15% down payment on purchase (with 720 FICO) - Loan amount up to $5 million - No tax returns, no paystubs, no W2 - Fully completed Verification of Employment confirming 2 years of employment required - Can use 100% gift ## Requirements: - 2 years employment history with same employer - Employer must fill out verification of employment form - 6-12 month reserves [### Unique income situation? We got you covered, let’s discuss it Get my personalized quote **]() ## Getting Started with a VOE Mortgage Loan At LBC Mortgage, we specialize in working with individuals who are seeking out alternative forms of financing. Maybe you have a regular source of work but can’t get a bank to approve your loan application. Or maybe [you’re self-employed]() or you don’t have an SSN. Whatever the reason, we work with many different types of loans and have a vast network of lenders who are ready to loan money to help you get financed at a great rate. VOE loan amounts can be as high as $5 million, which makes this an excellent choice for those looking for a luxury residence, who don’t want the hassle of dealing with a [jumbo loan]() or who can’t get approved for one. It’s important to note that like with any type of loan, there are certain requirements involved. That’s why it’s a good idea to work with a knowledgeable lender who can help you understand these requirements and what you’ll need in order to get your financing approved. If you’re ready to learn more or you have any questions about a VOE mortgage, we’d be delighted to work with you. We’ll take the time to answer all your questions as well as help you get the best possible rates on this unique type of alternative financing. Plus, even if you don’t specifically qualify for a VOE loan, there are many other types of potential loan products we can explore together to help you find the right deal for your unique needs. [Contact us]() today and see for yourself how LBC Mortgage works hard to help you get approved and get financing to buy a home. [Alex Shekhtman]() | [NMLS #275599]() **Author:** [Alex Shekhtman CEO & Founder, LBC Mortgage]() ## Frequently Asked Questions - ### 1. What VOE loan options does LBC Mortgage offer for cash and check earners? ** VOE loans, or Verification of Employment loans, are designed for borrowers who receive income through cash or checks and may not have traditional documentation such as tax returns or pay stubs that fully reflect their earnings. LBC Mortgage provides VOE loan options that allow these borrowers to qualify based on confirmed employment and income consistency rather than standard documentation requirements. These loans are particularly useful for individuals working in industries where income is not always formally documented, such as service-based roles or independent work arrangements. Instead of relying on tax filings, lenders verify employment directly with the employer or through alternative documentation that confirms the borrower’s income level and job stability. VOE loans can typically be used for purchasing or refinancing residential properties, depending on program guidelines. While these loans offer flexibility, they often require stronger compensating factors such as a higher down payment or a solid credit profile. For cash and check earners, VOE loans provide a structured pathway to financing when traditional documentation is not available or does not fully reflect income. - ### 2. What are the qualification requirements for VOE loans? ** Qualifying for a VOE loan involves meeting criteria that focus on employment and financial reliability rather than traditional income documentation. When applying through LBC Mortgage, borrowers must demonstrate stable employment and consistent income, even if that income is received in cash or through checks. Lenders verify employment directly to confirm these factors. Credit score remains an important component of the qualification process, as it reflects the borrower’s history of managing financial obligations. Borrowers with stronger credit profiles may qualify for better loan terms. Down payment requirements are often higher than those for conventional loans, providing additional security for the lender. Lenders may also evaluate the borrower’s overall financial stability, including available assets and reserve funds. These reserves help ensure that the borrower can manage mortgage payments over time. By meeting these requirements, borrowers can access financing that accommodates non-traditional income structures while maintaining responsible lending standards. - ### 3. When should a borrower consider a VOE loan? ** Borrowers may consider a VOE loan when their income is not fully documented through traditional means but they still maintain stable employment and consistent earnings. Through LBC Mortgage, cash and check earners can explore this option when tax returns, pay stubs, or other standard documents do not accurately represent their financial situation. VOE loans are particularly useful for individuals who receive income in cash or through informal payment methods but can demonstrate reliable employment. This allows borrowers to qualify for financing based on real earning capacity rather than limited documentation. Before choosing a VOE loan, borrowers should evaluate factors such as interest rates, down payment requirements, and long-term financial goals. While these loans provide flexibility, they may have different cost structures compared to traditional mortgages. Understanding these elements helps ensure that the loan aligns with the borrower’s financial needs and objectives. Your home. Your goals. Your next step. ## Let's find a loan that fits *your life.* Buying or refinancing? Start with your goals. We'll help you explore the possibilities. [Get my personalized quote **]() [Schedule a consultation]() ** Only takes 1 minute · Personalized to you ### Get in Touch Whether you’re buying a home or are ready to refinance, our experts are here to help. [** Call us now]() [** Book a consultation]()