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FHA VOE Only Program Highlights
FHA VOE ONLY HIGHLIGHTS
- NO Paystubs. NO W2s. NO 1040s. NO 4506C!
- Minimum 620 FICO for up to 96.5% LTV
- 580-619 FICO, maximum of 90% LTV
- Purchase, R/T and C/O to MAX LTVS!
- UW directly to 4000.1 - NO OVERLAYS
- 100% Gift OK
- HI Balance OK!
- 2 - 4 Units OK
- Manufactured Homes OK
- Evidence that Employer has been in business for twenty-four months and at current address for six months as evidence through state filing or business license. If employer operates out of a home, Letter of Explanation from the employer is require on how the business operates out of a residence.
- Online confirmation of wage range consistent to job title and industry.
- Employer must have web presence. Social media does not count. Must be discoverable with multiple matching sources such as Google, Whitepages.com, Third Party Sources, Yellowpages.com, Manta.com
- Borrower may not be related to employer
- Borrower must be employed at the same company for 2 years.
- No Medical Marijuana or CBD business is allowed.
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