Employer-Verified Income
Written VOE mortgage review with employer-confirmed income.
Written Verification of Employment programs use employer-provided information to document employment, base earnings, and eligible variable compensation under program-specific rules.
Program overview
How this mortgage review works
A written VOE is completed by an employer or authorized payroll source and can document employment status, start date, position, base rate, average hours, year-to-date earnings, and variable compensation. The exact format and accepted source depend on the program.
Base earnings may be calculated differently from overtime, bonus, commission, or shift differential. Variable income generally requires a documented history and evidence that it is likely to continue.
A written VOE does not automatically replace every other document. Paystubs, W-2s, bank statements, tax forms, or final verbal verification may still be required depending on the program and file.
Who it may fit
Borrower and property profiles
- Salaried or hourly employees with employer-verifiable earnings
- Borrowers with variable hours, overtime, bonus, or commission components
- Employees whose payroll documents need additional clarification
- Borrowers comparing full-document and alternative-documentation paths
What drives the review
Key qualification factors
- Employment status, start date, and position
- Base salary or hourly rate and average hours
- History of overtime, bonus, commission, or other variable pay
- Likelihood that employment and earnings will continue
- Gaps, recent changes, and probationary status
- Credit, assets, occupancy, and property
Common uses
Scenarios this program may address
- Document regular earnings through an employer source
- Clarify variable hours or overtime
- Review a recent promotion or compensation change
- Compare written VOE treatment with another documentation path
Documentation
What may be requested
- Completed written verification from an acceptable employer or payroll source
- Recent pay information when required
- Prior-year earnings history for variable income when requested
- Employment offer or change documentation when applicable
- Asset statements for closing funds and reserves
- Property and transaction documents
- The exact list depends on the borrower, property, transaction, state, and selected program.
The exact list depends on the borrower, property, transaction, state, and selected program.
From online profile to underwriting
From online profile to underwriting
Confirm employer and payroll contact information
Obtain the written verification from an acceptable source
Calculate base and eligible variable income
Complete final employment, credit, asset, property, and underwriting review
Important context
What to understand before moving forward
- NonQM123 must independently obtain or validate the VOE
- Variable pay may require a longer history than base pay
- A recent job change can require additional support
- Final employment verification is commonly completed near closing
Questions about Written VOE Loans
What does VOE mean?
VOE means Verification of Employment. A written VOE documents employment and earnings directly from an employer or authorized source.
Can a written VOE replace paystubs and W-2s?
Some programs may rely more heavily on the VOE, while others still require additional payroll or tax documents.
Can overtime or bonus income be used?
Potentially, when there is sufficient history and reasonable expectation of continuance.
What if I recently changed jobs?
A recent change may be reviewed based on occupation, compensation structure, history, and program rules.
Can my manager complete the form?
The verification generally must come from an authorized employer or payroll source acceptable to NonQM123.
Is a final verbal verification also needed?
Often yes. Many files require confirmation that employment remains active near closing.
Start online
Let a licensed NonQM123 specialist review the numbers.
Final terms depend on borrower, property, documentation, program, investor, state, and underwriting requirements.