Get Pre-Qualified
Fill out the form below and we’ll get back to you within 24 hours.
Our WVOE (Written Verification of Employment) Loan Program is perfect for salaried employees who want competitive terms, versatile loan structures, experienced support, and an accelerated closing process without the headache of tax returns and stacks of paperwork. Instead of paystubs, W-2s, and full returns, we verify your income through a simple employer-completed WVOE form, giving you a clean, flexible way to qualify—especially if your taxes are complex or your income has recently changed.
Complete this form to connect with a Barcorp Financial Group Representative
With the WVOE Loan Program, your income is documented through a Written Verification of Employment form (FNMA 1005 or similar) completed by your employer. That form confirms your position, length of employment, base pay, and any variable income such as bonuses or overtime. Instead of reviewing tax returns, W-2s, or paystubs, the lender relies on this employer-verified income and may use bank statements to confirm that deposits reasonably match what’s reported. From there, standard Non-QM guidelines are applied—looking at your credit (FICO from 620), assets, and property details—so you can qualify for a strong loan amount with flexible terms and a fast, streamlined closing.
Feature | Details |
Qualification Method | Income verified via Written Verification of Employment (WVOE) from current employer instead of tax returns, paystubs, or W-2s |
Loan Amount | Up to $4,000,000 (program and profile limits apply) |
CLTV / LTV | Up to 80% CLTV for qualifying borrowers |
DTI | Ratios up to 55% (subject to credit profile and property type) |
Credit Requirements | Options for no score; FICO ≥ 620 typically required when scored |
Cash-Out | Available, subject to LTV/CLTV and program limits |
Bank Statement Rules | Deposits from employer should support at least 65% of gross income; bank statements may not be required up to 70% LTV |
Gift Funds | Allowed for eligible down payment and/or closing costs (per guidelines) |
Property Types | 1–4 unit residential properties, condos, and townhomes (per program eligibility) |
Closing Time | Typically 3–5 weeks, depending on documentation and appraisal timing |
BarCorp Financial Group, NMLS #1746897. BarCorp Financial Group is a mortgage broker and does not make commitments or fund loans. Information provided is for general informational purposes only and is not a loan approval, Loan Estimate, or commitment to lend.
All loans are subject to underwriting approval, lender guidelines, and property qualification. Not all applicants will qualify. Product availability, interest rates, and terms are subject to change without notice and may vary by lender and state. Equal Housing Lender.
Fill out the form below and we’ll get back to you within 24 hours.