Programs
WVOE

WVOE

Min. FICO 620
Up to 80% CLTV

Program Overview:

Streamlining financing for salaried employees by replacing standard income docs with direct verification.

Broker Advantage:

  • Frictionless: One form (FNMA 1005) replaces all paystubs, W-2s, and tax returns.
  • Efficiency: Ideal for speed and privacy in primary residence financing.
  • Employment is the Income: Your employer confirms data, we confirm the deal no hunting W-2s.

Highlights:

  • FICO: Minimum 640.
  • LTV (Purchase): Leverage up to 80%.
  • Ratios: Standard 50% DTI.
  • Loan Amounts: Up to $4,000,000.
  • Reserves: Tiered starting at 6 months.
  • Qualifiers: Requires FNMA 1005 plus 2 months of personal bank statements.

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DSCR FAQ

What is a WVOE loan?

A loan using written verification of employment.

Who is this best for?

Salaried borrowers with limited documentation.

Are tax returns required?

No.

Are bank statements required?

Not required up to 70% LTV.

Are reserves required?

Three months of reserves required.

Exlpore more WVOE Loan Programs

1Y or 2Y Full Doc Non-QM

Min. FICO 620
Up to 90% CLTV
  • Loan amounts up to $3.5. million
  • DTI allowed up to 55% on owner-occupied
  • Minimum 3 months of reserves

DSCR Loan (Investor Cash Flow)

Min. FICO 660
Up to 80% LTV
  • DSCR credit for ratios below 1.25
  • No personal income or employment required
  • Purchase allowed up to 85% CLTV

Ready to get started?

Write to us, we will contact you within 30 minutes.

Contact Us
Weekdays 8 am to 9 pm EST
1(833) 553-0505
21800 Burbank Blvd Suite
#100, Woodland Hills, CA 91367
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Legions Capital, Inc. is an Equal Housing Lender. NMLS ID #1553947. 21800 Burbank Boulevard, Suite 100, Woodland Hills, CA 91367. 818-818-483-4542. State Licensing: Legions Capital, Inc. is licensed by: AZ #BK-2008712 “Arizona Mortgage Banker License”; CA #60DBO-64540 “Licensed by the Department of Financial Protection and Innovation under the California Financing Law”; CO “Mortgage Company Registration”; CT #ML-1553947 “Mortgage Lender License”; FL #MLD2349 "Mortgage Lender Servicer License"; GA #1553947 “Mortgage Lender License/Registration”; MI #FL0026913 “1st Mortgage Broker/Lender Registrar”; OR #1553947 “Mortgage Lending License”; PA #116958 "Mortgage Lender License"; SC-BFI #MLS-1553947 “Mortgage Lender/Servicer License”; TN #1553947 ”Mortgage License”; TX-SML “Mortgage Banker Registration”; WA #CL-1553947 “Washington Consumer Loan Company License”; WI #1553947BR “Mortgage Banker License”. Verify our licenses at: www.nmlsconsumeraccess.org. Texas Consumers: Click here to view the Texas Consumer Complaint & Recovery Fund Notice. Availability: Loan approval and rates are dependent upon applicant’s credit, collateral, financial history, and program availability at time of origination. Programs and rates are subject to change without notice and may or may not be available at the time of loan commitment or lock-in.
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