In real estate, one of the biggest challenges agents face is helping qualified buyers secure financing—especially those whose income isn’t easily documented. Traditional loans often require piles of paperwork, tax returns, and pay stubs, making it difficult for self-employed, commission-based, or 1099 borrowers to qualify.
That’s where the Verification of Employment (VOE) Loan Solution comes in.
With this innovative option, your clients can qualify using gross income verified directly through a simple written VOE—no tax returns or pay stubs required. The Mortgage Managed Team confirms their employment status, position, start date, and income (including bonuses and overtime) directly with their employer. It’s fast, simple, and designed to open doors for more buyers.
✅ Benefits of Our VOE Loan Solution
-
Simplified Documentation – No tax returns, 1040s, W-2s, pay stubs, or 4506C required
-
Affordable Down Payment – Only 3.5% down on a primary single-family residence purchase up to $1,209,750
-
Generous Loan Amounts – Non-QM loans up to $4,000,000 with as little as 10% down
-
Versatile Financing – Available for purchase, refinance, and even cash-out
-
Flexible Co-Borrowing – Non-occupant co-borrowers allowed
-
Perfect for 1099 or Commission-Based Borrowers – Ideal for those whose income isn’t fully reflected on tax returns
Why Realtors Love the VOE Loan Solution
This program isn’t just good for clients—it’s a win for you too.
-
Quick Qualification means less time in limbo and more time celebrating closings.
-
Low Documentation makes the process smooth and less stressful for your clients.
-
Flexible Income Verification helps you serve a wider range of buyers, from primary homeowners to investors.
-
Higher Loan Limits allow for more buying power in competitive markets.
Partner with Us for a Seamless Experience
When you work with The Mortgage Managed Team, & Tina Lucarelli, you get expert care and personalized service—we help you achieve your dream.
Vanessa Ventura Broker | The Mortgage Managed Team NMLS #1224128 📞 Direct: (909) 717-6270 📧 Email: [email protected]
Tina Lucarelli - Global Real Estate Advisor - DRE 02102354 - (310) 738-8089 - [email protected]
