WVOE Loans (Written Verification of Employment) 

Simplify income approval for W-2 wage earners using an employer-completed WVOE instead of full tax returns. Ideal for borrowers with clean, stable employment who want a faster, lower-document path to approval.

Who This Helps

• Full-time/part-time W-2 employees (salary or hourly)
• Borrowers with limited access to past returns or complex tax situations
• New hires with offer letters (program-dependent)

Key Benefits

• Reduced paperwork — rely on a verified employer form (and limited pay history)
• Faster approvals with direct employer verification
• Works for salary, hourly, and some variable income (overtime/bonus/commission subject to history)

Basic Eligibility (varies by investor)

• Active W-2 employment; minimum time-in-job or 2-year history across roles/industry
• FICO/LTV/reserves per program matrix
• Primary, second home, and some investment properties (program-specific)
• Clear housing history and credit profile

What the WVOE Must Show (typical)

• Legal name, position, start date, status (FT/PT), and probability of continued employment (if required)
• Base pay (annual/hourly + hours), and—if used—overtime/bonus/commission with 24-month history
• YTD income and prior year totals (if applicable)
• Employer HR/payroll contact info and independent verification (direct-to-employer)

Documents You May Need

• Employer-completed WVOE on investor/third-party form
• Recent pay stubs and/or W-2s (as program requires)
• Photo ID, HOI, HOA docs (if any), appraisal/title items
• Offer letter for new employment (start date, pay terms) when permitted

What to Consider

• Variable income (OT/bonus/commission) typically requires history & averaging
• Gaps in employment may need LOE (letter of explanation)
• Employer must respond directly to verification; third-party portals may be used
• Non-QM pricing/overlays may differ from agency loans

How It Works

1. Consult & pre-screen — job type, pay structure, timelines
2. Pre-qual — we match the right WVOE program to your profile
3. Underwrite — employer completes WVOE; we verify; appraisal/title ordered
4. Close — purchase or refinance with clear next steps

Star Financial • NMLS 1429 • Serving CA, TX & FL
Disclosures: Program availability and terms vary by investor and are subject to change. Not a commitment to lend. All loans subject to credit, income/asset, employment, and property verification per guidelines.