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What is the WVOE？
It's a good choice for wage earner who can not be qualified with agency loan and do not want to provide varities of income documents.
Program Highlights
1. Foreign national allowed;
2. 12 months reserves calculated on PI;
3. No paystub / W-2 / tax return needed;
4. Gift funds allowed;
5. Loan Amount up to $2.5M;
6. Down payment as low as 30%;
7. Min. FICO 680.
The Advantages of WVOE
For WVOE, the lender only need a WVOE form to calculate qualified income, no any other income documents needed. This should be the most attractive key point of WVOE. There is not any agency loans can do such program. Besides, different from other programs, borrowers doesn’t need to provide too many assets documents for this program. In general, this is a good program for salaried borrowers who do not qualify agency loans.
