One WVOE Form From Your Employer.
Loans from $150,000 to $3.5 Million, qualified with a written verification of employment completed by your employer, for a primary residence, second home, or investment property.
Quick answer
Saxton Mortgage does. At least one program we offer qualifies borrowers with a written verification of employment on Fannie Mae Form 1005, starting at a 660 credit score. Loans run from $150,000 to $3,500,000 on a primary residence, second home, or investment property, with higher scores required on larger loans.
A simpler path for W-2 earners.
However your employer reports it, there’s likely a path that fits.
- $150,000 to $3.5 Million on employer verification
- One standard form, not a document stack
- Salaried and hourly employees
- Purchase or refinance on eligible occupancy types
- Purchase, rate-and-term refinance, and cash-out available
- Fixed and adjustable rate options
- Financing to 80% of value on this route*
Qualify with a written verification of employment
Built for W-2 wage earners
Primary, second home, or investment property
One to four units, condominiums, and townhomes eligible
Purchase or refinance
Fixed-rate and adjustable-rate (ARM) options
What is the Saxton WVOE Loan?
A loan qualified on a single employer form
The Saxton WVOE Loan qualifies wage earners from a written verification of employment, a standard form your employer completes confirming your position, tenure, and earnings.
The form takes the place of pay stubs and W-2s on this route, though other items may still be required to complete the file.
Use it to purchase a home, refinance your current mortgage, or take cash out of your equity, on a primary residence, second home, or investment property, with loan amounts from $150,000 to $3.5 Million.
Why choose the Saxton WVOE Loan?
Built for salaried and hourly employees whose employer can verify the income directly.
Long-Tenured Employees
Years with one employer documented on a single standard form.
Hourly & Shift Workers
Employer-verified earnings can capture overtime and shift differentials.
Recently Relocated
A new employer can verify the position and the pay directly.
Privacy-Minded Borrowers
Fewer personal financial documents circulate through the file.
Second Home Buyers
The same verification route works for a vacation or secondary property.
The Employer Does The Paperwork
Qualifying runs on a written verification of employment completed by your employer rather than on your own documents.
Hear From Homeowners Like You
Frequently Asked Questions
Straight answers about qualifying on a written verification of employment.
Saxton Mortgage does. At least one program we offer qualifies borrowers with a written verification of employment on Fannie Mae Form 1005, starting at a 660 credit score. Loans run from $150,000 to $3,500,000 on a primary residence, second home, or investment property, with higher scores required on larger loans.
Fannie Mae Form 1005, completed by your employer, confirming your position, your time with the company and your earnings. Loan amounts on this program run from $150,000 to $3.5 Million, starting at a 660 credit score with at least one program.
Usually, and it works best where your employer is responsive. At least one program also accepts a Fannie Mae approved third party verification vendor instead of the employer completing the form, which is the route to ask about if your employer is slow or will not complete it.
The verification form takes the place of those documents on this route. Other items may still be required to complete the file.
No. This route is built for wage earners. Saxton offers several self-employed documentation options instead.
One to four unit properties, planned unit developments, townhomes, and warrantable condominiums.
Yes. Primary residences, second homes, and investment properties are all eligible, though terms differ by occupancy.
Yes. The WVOE loan is offered in both fixed-rate and adjustable-rate (ARM) structures. Which one fits depends on how long you plan to hold the loan, and a licensed loan officer can quote both side by side for your loan amount and occupancy.
A WVOE mortgage is a regular mortgage with a different way of documenting income. Instead of pay stubs, W-2s and tax returns, your employer completes a written verification of employment form confirming your position, your time with the company and your earnings, and that form is what the underwriter relies on. The loan itself works like any other: loan amounts on this program run from $150,000 to $3.5 Million, credit scores start at 660 with at least one program, and one to four unit homes, condominiums, townhomes and planned unit developments are eligible as a primary residence, second home or investment property, in fixed-rate or adjustable-rate structures. It is built for W-2 wage earners; if you are self-employed, a bank statement loan is the closer fit.
Find out what you qualify for
Whether you’re buying, refinancing, or pulling cash out, there’s likely a Saxton WVOE Loan option that fits. Get a fast, no-obligation pre-qualification today.
Get Pre-Qualified*Loan amounts, rates, terms, and down payment requirements are subject to credit approval, income and asset verification, and program eligibility. Down payment and cash-out limits vary by occupancy, credit score, and documentation type. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.