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VOE Mortgage Loans

Have you been denied or had your loan application rejected by more stringent loan requirements? A VOE loan may be able to help. With a VOE mortgage, you don’t need W-2’s, pay stubs or tax returns. VOE or Verification of Employment is a type of mortgage program where all of the verification is handled directly with the employer. If you’re a salaried worker or a wage earner, this program could work for you as an alternate type of financing.

How to Get the Best Deal with a VOE Loan

With the VOE loan program, approval is much faster than through a conventional or FHA loan. You’ll need a credit score of at least 680 in order to get the best deal, and a 20% down payment on the home. You’ll also need to have the home as your primary residence. You can use 100% of gift funds to purchase the home as well.

In addition, there are flexible loan terms with a VOE mortgage. You can choose from a 30-year fixed loan, or a 7/1 ARM adjustable rate mortgage (with the interest paid during the fixed period). Plus, because no tax returns or pay stubs are required, all you need to show is income or have your employer verify your employment for as little as the last two years.

Loan Features

  • Credit score as low as 650
  • 15% down payment on purchase (with 720 FICO)
  • Loan amount up to $5 million
  • No tax returns, no paystubs, no W2
  • Fully completed Verification of Employment confirming 2 years of employment required
  • Can use 100% gift


  • 2 years employment history with same employer
  • Employer must fill out verification of employment form
  • 6-12 month reserves

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Client Reviews

LBC Team went above and beyond to help us buy our new home! They were available for all of our questions, were prompt in their replies to us, and guided us...
Julia T.
Julia T.
08:40 22 Aug 21
Excellent team of great professionals! Superb customer service! They have successfully handled our purchase and refinance in a very short period of time,...
Elina L.
Elina L.
11:12 30 Jun 21
It is hard to describe how scary we were when decided to buy a house. We had no knowledge of the processing, prices, policies, calculations… When our agent referred us to Alex Shekhtam, from the first phone consultation we felt to be just in right hands. We are so blessed to have LBC Mortgage team! Our first house was purchased just because of these hardworking, reliable, efficient, responsive professionals! Recently we were able to refinance our house on good conditions, again, just because of them! Easy processing paperwork, knowledgeable advisors, pleasant communication make you feel special. We are so grateful to all and everyone from LBC Mortgage for making our dreams true!!!!
Lora Kochetkova
Lora Kochetkova
03:44 29 Jun 21
LBC Team is now our Number One Team! Their service was impeccable! We really appreciated the detailed explanations and daily reminders throughout the whole...
Galina S.
Galina S.
13:34 29 Mar 21
We were able to close on our first home even with a strict budget, and I credit it all to Alex and the staff at LBC Mortgage. We couldn’t have done it without you. Thank you so much!
Roger Billon
Roger Billon
06:07 25 Mar 21
Alex and his team were very attentive to our needs. We had some very specific criteria when looking for a home, and most mortgage companies, especially banks, were not even willing to listen to us -- but the team at LBC Mortgage was. They kept everything moving and were happy to answer our questions. We never felt like a burden to them, and that’s how customer service should be.
Kaylani paliotta
Kaylani paliotta
05:51 25 Mar 21
This was one of the last steps I needed to do in order to close on a home, and I had been putting it off because I had assumed it was a complicated and cumbersome process. I could not have been more wrong. Alex and everyone at LBC Mortgage made the process really simple and straightforward. Excellent company with people that really care about you.
Charles W
Charles W
06:52 23 Mar 21
If you are shopping online for mortgage or refinance, look no further. Seamless process and good communication. I am pleased with their fast response. They kept me updated with each phase of a process. Thank you LBC Mortgage.
Christiane BABINOT
Christiane BABINOT
07:40 03 Mar 21
People often ask me who I use for my own mortgages and refinances. Every time I recommend LBC Mortgage. They’re always working hard to stay one step ahead of the competition. To me, they’re more like family than my mortgage company. I’ve just closed my third deal with them and I can’t wait to see what the future holds.
Ahndray Hamilton
Ahndray Hamilton
09:06 18 Feb 21

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Getting Started with a VOE Mortgage Loan

At LBC Mortgage, we specialize in working with individuals who are seeking out alternative forms of financing. Maybe you have a regular source of work but can’t get a bank to approve your loan application. Or maybe you’re self-employed or you don’t have an SSN. Whatever the reason, we work with many different types of loans and have a vast network of lenders who are ready to loan money to help you get financed at a great rate.

VOE loan amounts can be as high as $5 million, which makes this an excellent choice for those looking for a luxury residence, who don’t want the hassle of dealing with a jumbo loan or who can’t get approved for one. It’s important to note that like with any type of loan, there are certain requirements involved. That’s why it’s a good idea to work with a knowledgeable lender who can help you understand these requirements and what you’ll need in order to get your financing approved.

If you’re ready to learn more or you have any questions about a VOE mortgage, we’d be delighted to work with you. We’ll take the time to answer all your questions as well as help you get the best possible rates on this unique type of alternative financing. Plus, even if you don’t specifically qualify for a VOE loan, there are many other types of potential loan products we can explore together to help you find the right deal for your unique needs.

Contact us today and see for yourself how LBC Mortgage works hard to help you get approved and get financing to buy a home.

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