WVOE only loan

Ideal for cash earners

Qualify your borrower with a WVOE only. Ideal for wage earners who cannot provide W-2’s, paystubs, tax returns, or bank statements. 


Being a cash earner should not stop your borrower from buying a home. No tax returns or W2’s required. 

  • Minimum FICO 660
  • Up to 80% LTV on Purchase and R/T Refinance
  • Up to 75% LTV on Cash-Out Refinance
  • Interest-Only Available
  • Primary Residence Only
  • No W2’s, No Paystubs, No Tax Returns, No 4506-T
  • No Bank Statements Required
  • FNMA Form 1005 with 2-years history of employment in same industry and 1-year continuous at current job
  • WVOE must be completed by HR, payroll, or officer of the company

    See product matrix for more details.