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.

Download Program PDF

Download

Need help with this program? Book a strategy call and we will walk you through it.

Book a Call

Calculate your scenario now

Get detailed information about the potential loan.

Quick Pricer

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 + 2Y P&L

Min. FICO 660
Up to 80% CLTV
  • P&Ls reviewed by CPA, CTEC provider, or IRS Enrolled Agent
  • Bank statements not required up to 70% LTV
  • Loan amounts up to $2.5 million

1099 Only

Min. FICO 620
Up to 85% CLTV
  • 1099 income for the last 1 year accepted
  • 1-year history with same employer
  • Gift funds allowed

Ready to get started?

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

Contact Us
Weekdays 8 am to 9 pm EST
(833) 553-0505
21800 Burbank Blvd Suite
#100, Woodland Hills, CA 91367
Loan ProgramsDSCRITINConventionalView All
Resources
Documents & FormsMortgage GlossaryQuick Pricer
Manage Your Mortgage
TPO PortalContacts
Company
About UsBlogCareersContact UsPartnershipsTestimonials
Legions Capital, Inc. is an Equal Housing Lender. NMLS ID #1553947. 21800 Burbank Boulevard, Suite 100, Woodland Hills, CA 91367. 833-553-0505. 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.
Privacy Policy
Cookies
Copyright © 2025 Legions Capital, Inc. All Rights Reserved.