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CSC's VOE Only Program

VOE Program

  • Program is available down to a 650 credit score
  • Max LTV of 75% for purchase
  • Max LTV of 70% for refinance (cash out or R/T)
  • Up to $5,000,000 loan amounts
  • 2-year employment mandated at business
  • Written VOE fully completed for 2-year employment; plus year-to-date by owner or officer of company
  • Verified employment at closing by telephone call or workplace cert
  • No 4506T
  • First-time homebuyers qualify:
    • 65% LTV Max OR 60% / 80% LTV/CLTV
    • $2,000,000 Max loan amount
    • Up to 50% gift funds allowed
    • 24 month rental history