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FHA VOE Only Program Highlights


  • NO Paystubs. NO W2s. NO 1040s. NO 4506C!
  • Minimum 620 FICO for up to 96.5% LTV
  • 580-619 FICO, maximum of 90% LTV
  • Purchase, R/T and C/O to MAX LTVS!
  • UW directly to 4000.1 - NO OVERLAYS
  • 100% Gift OK
  • HI Balance OK!
  • 2 - 4 Units OK
  • Manufactured Homes OK


  • Evidence that Employer has been in business for twenty-four months and at current address for six months as evidence through state filing or business license. If employer operates out of a home, Letter of Explanation from the employer is require on how the business operates out of a residence.
  • Online confirmation of wage range consistent to job title and industry. 
  • Employer must have web presence. Social media does not count. Must be discoverable with multiple matching sources such as Google, Whitepages.com, Third Party Sources, Yellowpages.com, Manta.com
  • Borrower may not be related to employer
  • Borrower must be employed at the same company for 2 years.
  • No Medical Marijuana or CBD business is allowed.