FHA VOE Loan

Are you in the market to buy your future home and are having a hard time getting approved? Our FHA VOE Loan Program is a great alternative for home buyers looking to get into their perfect home with as low as a 620-credit score requirement. With up to 96.5% loan-to-value, this program allows you to only put 3.5% down!

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3.5
%

Down payment

6.5
%

Interest rate

5,000
620

Min credit score

14
days

To close

FHA VOE Loan Purchase and Refinance

This is a type of program where the employment verification is handled directly with your employer. Since we do not look at W2's, tax returns or paystubs, the only requirement is that your employer verifies your work of employment! All you need is a credit score of at least 620, a down payment of just 3.5% and a VOE formed filled out by your employer. This program makes lending a possibility for those who have been rejected by outrageous strict loan requirements. 

Program highlights:

620 minimum credit score

Up to 96.5% loan-to-value 

Rate starts at 6.5%

Purchase, refinance, or cash-out options available

No 1040, W-2, paystubs, or 4506c

Employer must be verifiable

Must be at the same job for 2 years

3.5%

DTI less than 55%

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We enjoy working

Why people choose us

No Experience required

You don’t need to be a professional investor to qualify for our loans. We don’t require Tax Returns and we accept credit scores as low as 660.

Fast 15-day closing times

Get underwriter approval in 48 hours and your deal funded in 14-21 days.

Interest rates for long-term rentals starting as low as 7.49%

Fixed Rates mean you’ll have more predictability when it comes to your profit.

80% LTV on Fix & Flips

We offer some of the highest loan to values in the industry. We’ll even fund 100% of your rehab costs!

Recently Funded Deals

Closings within 14-21 business days. Don't waste another day. Call a loan guy now!

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Funded
15 Kensington Ave., Trenton, NJ 08618
Trenton, NJ 08618
Purchase Price:
$290,000
Loan Funded:
$217,500
Time to Close:
21 Days
Funded
11500 Canyonlands Rd., Albuquerque, NM 87123
Albuquerque, NM 87123
Purchase Price:
$305,000
Loan Funded:
$228,000
Time to Close:
19 Days
Funded
14861 SW 160th St., Miami, FL 33187
Miami, FL 22187
Purchase Price:
$590,000
Loan Funded:
$442,500
Time to Close:
15 Days
Funded
14851 SW 160th St., Miami FL 33187
Miami, Florida 33187
Purchase Price:
$825,000
Loan Funded:
$618,000
Time to Close:
18 Days
Funded
23789 Main St., Fairhope, AL 36532
Fairhope, AL 36532
Purchase Price:
$1,400,000
Loan Funded:
$910,000
Time to Close:
16 Days
Funded
13041 Tapawingo Pl, Saint Louis, MO 63127
Saint Louis, MO 63127
Purchase Price:
$1,425,000
Loan Funded:
$1,068,750
Time to Close:
12 Days
Funded
3777 Julia Loop, Eugene, OR 97404
Eugene, OR 97404
Purchase Price:
$560,000
Loan Funded:
$420,000
Time to Close:
10 Days
Funded
15820 Darlington Ct, Edmund, OK 73013
Edmund, OK 73013
Purchase Price:
$370,000
Loan Funded:
$277,500
Time to Close:
7 Days
Funded
635 Fountainhead Dr, Naples, FL 34103
Naples, FL 34103
Purchase Price:
$2,560,000
Loan Funded:
$2,048,000
Time to Close:
14 Days
Funded
141 Jeremy Point Pl, Mooresville, NC 28117
Mooresville, NC 28117
Purchase Price:
$2,000,000
Loan Funded:
$1,500,000
Time to Close:
8 Days
Funded
859 N West Knoll Dr, West Hollywood, CA 90069
West Hollywood, CA 90069
Purchase Price:
$1,800,000
Loan Funded:
$1,260,000
Time to Close:
14 Days
Funded
365 96th Street, Stone Harbor, NJ 08247
Stone Harbor, NJ 08247
Purchase Price:
$3,720,000
Loan Funded:
$1,863,000
Time to Close:
14 Days
Funded
3905 Scenic Drive, Muskegon, MI 49445
Muskegon, MI 49445
Purchase Price:
$930,000
Loan Funded:
$666,174
Time to Close:
10 Days
Funded
808 Gathering Ct, Brentwood, CA 94513
Brentwood, CA 94513
Purchase Price:
$775,000
Loan Funded:
$581,250
Time to Close:
12 Days
Funded
13621 Starwreath Dr, Pearland, TX 77584
Pearland, TX 77584
Purchase Price:
$580,000
Loan Funded:
$464,000
Time to Close:
13 days
Funded
2551 Sullivant Ave, #3, Columbus, OH 43204
Columbus, OH 43204
Purchase Price:
$201,277
Loan Funded:
$160,000
Time to Close:
14 days
Funded
2340 Peppertree Ln, Riverside, CA 92506
Riverside, CA 92506
Purchase Price:
$815,000
Loan Funded:
$611,250
Time to Close:
14 days
Funded
1256 Holly Cove Dr. Jupiter, FL 33458
Jupiter, FL 33458
Purchase Price:
$1,550,000
Loan Funded:
$1,087,500
Time to Close:
10 days