A Simple, Streamlined Income Solution
Brokers frequently encounter clients who are fully capable of managing a mortgage but struggle to qualify through conventional underwriting. Whether due to inconsistent pay structures, limited tax documentation, or non-traditional income reporting, these clients need a different path to approval.
Dominion Financial Wholesale’s Written VOE Loan offers a reliable, documentation-light alternative, allowing borrowers to qualify using a single Verification of Employment form completed by their employer. No W-2s, paystubs, or tax returns required.
A Better Path for Employed Clients with Limited Paperwork
Many borrowers (especially hourly workers, commission-based earners, or those with irregular pay) struggle to document income in a way that satisfies traditional underwriting. The Written VOE Loan simplifies that process by focusing solely on employment verification, supported by minimal additional documentation.
As long as the employer verifies current income in writing and the client has a steady work history, you can get the deal to the finish line.
What Brokers Need to Know
The program is designed to help you close more loans with speed and confidence, particularly when your client can’t provide traditional proof of income.
Here’s a quick snapshot:
– Up to 80% LTV for purchases
– Up to 70% LTV for rate/term or cash-out refinances
– First-time homebuyers welcome (up to 70% LTV)
– $3,000,000 maximum loan amount
– No W2s, paystubs, 4506C, or tax returns required
The only required documentation is:
– A Written VOE form completed by the client’s employer
– Two months of bank statements to support after-tax income
– A two-year employment history
That’s it. No more chasing tax forms or verifying fluctuating income over multiple years.
Let’s Talk About Your Next Scenario
Dominion Financial Wholesale is committed to giving brokers real tools that help more clients qualify—without sacrificing speed or support. The Written VOE Loan is a simple yet powerful way to expand your reach and grow your business.
Get approved with Dominion Financial Wholesale or log in to the Broker Portal to get started today!
