voe only program

VOE Only 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)

  • $150,000 - $5,000,000 loan amounts

  • 2 Year employment mandated at business

  • 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

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