* Disclaimer: All Loan programs, rates and terms can change without notice and are subject to credit and underwriting approval. Loan charts
highlight min/max constraints, assumptions & random scenarios only. We will always work hard to approve your loan but there are no guarantees of
any kind expressed or implied that any loan we be approved. Licensed in Florida Only
© 2007 - 20211st Florida Lending Corp. - All rights reserved I Privacy Policy I Terms of Use I
We offer over 48 loan programs in every county in the State of Florida as follows; Alachua County,Baker County,Bay
County,Bradford County,Brevard County,Broward County,Calhoun County,Charlotte County,Citrus County,Clay
County,Collier County,Columbia County,DeSoto County,Dixie County,Duval County,Escambia County,Flagler County,Franklin
County,Gadsden County,Gilchrist County,Glades County,Gulf County,Hamilton County,Hardee County,Hendry
County,Hernando County,Highlands County,Hillsborough County,Holmes County,Indian River County,Jackson
County,Jefferson County,Lafayette County,Lake County,Lee County,Leon County,Levy County,Liberty County,Madison
County,Manatee County,Marion County,Martin County,Miami-Dade County,Monroe County,Nassau County,Okaloosa
County,Okeechobee County,Orange County,Osceola County,Palm Beach County,Pasco County,Pinellas County,Polk
County,Putnam County,Santa Rosa County,Sarasota County,Seminole County,St. Johns County,St. Lucie County,Sumter
County,Suwannee County,Taylor County,Union County,Volusia County,Wakulla County,Walton County,Washington County
Florida’s Top Rated DIRECT MORTGAGE Lender I A+ BBB RATED
800-655-1345 I CALL OR TEXT us AT 407-300-2558
VOE LOANS
ONLY VERIFICATION OF EMPLOYMENT
REQUIRED TO PURCHASE YOUR HOME
NO TAX RETURNS
NO PAYSTUBS
NO W2’s
We Offer over 48 Loan Programs
Conventional Loans - 6 programs Self-Employed Loans - 14 programs FHA Loans - 8 programs VA Loan Programs - 4 programs USDA Loans - 3 programs No-Income Verification Loans - 9 programs Foreign National Loans - 6 programs No Income / No Employment Stated Home Loans Reverse Mortgage Loans Asset Depletion Loans Construction-to-Perm Loans - suspended Non-Warrantable Condos & Condotels Loans Fix and Flip Bridge Loans
OVER 48 LOAN PROGRAMS I CLICK FOR FREE QUOTE
What is a Verification of Employment (VOE) only Mortgage?
A The Verification of Employment (VOE) loan option uses your employment history as the primary criteria for a home purchase. Tax returns, W2s, and Paystubs are not required. Have you been denied or had your loan application rejected by more stringent loan requirements? A VOE Mortgage may be a program to consider. With a VOE mortgage, you don’t need W-2’s, pay stubs or tax returns. VOE or Verification of Employment is a type of mortgage program where all of the verification is handled directly with the employer. If you’re a salaried worker or a wage earner, this program could work for you as an alternate type of financing. What Type of Company Do I Have to Work For? • The employer can be from a variety of industries, i.e. mechanic, nail salon, hair salon, barber, restaurant, call center, doctor’s office, etc. • The employer does not have to have a large staff. • The employer must have an Internet presence with current information from 3rd party sites such as a google page, manta.com, yellowpages.com etc...How to Get the Best Deal with a VOE Loan
With the VOE loan program, approval is much faster than through a conventional or FHA loan. You’ll need a credit score of at least 680 in order to get the best deal, and a 20% down payment on the home. You’ll also need to have the home as your primary residence. You can use 100% of gift funds to purchase the home as well. In addition, there are flexible loan terms with a VOE mortgage. You can choose from a 30-year fixed loan, or a 7/1 ARM adjustable-rate mortgage (with the interest paid during the fixed period). Plus, because no tax returns or pay stubs are required, all you need to show is income or have your employer verify your employment for as little as the last two years.Loan Highlights
• Credit score as low as 620 • 15% down payment on purchase (with 720 FICO) • Loan amounts up to $5 million • No tax returns, no paystubs, no W2 • Fully completed Verification of Employment confirming 2 years of employment required • Can use 100% giftBasic Requirements:
• 2 years employment history with same employer • Employer must fill out verification of employment form • 6–12-month reserves (determined by underwriting)How to I proceed obtaining a VOE Mortgage Loan
At 1st Florida Lending, we specialize in working with individuals who are seeking out alternative forms of financing and challenging scenarios. If you are looking for a Jumbo loan, with a VOE loan, our maximum loan amount is $5 million, which makes this an excellent choice for those looking for a luxury residence, and who can’t get approved for a Jumbo loan by the traditional route. It is also important to note that like with any type of loan, there are certain requirements involved. That’s why it’s a good idea to work with a knowledgeable lender who can help you understand these requirements and what you’ll need in order to get your financing approved. Click Here if you’re ready to start the process by completing a 1-minute questionnaire that provides us with basic information. Once completed, you will be assigned an experienced/licensed loan officer who will answer your questions and work with you to obtain a prosed rate and loan pre-approval letter if you are still shopping for home or a full approval and funding timeline if you already have a signed purchase agreement. The good news is that even if you don’t qualify for a VOE loan, we over 48 potential loan programs we can explore together to help you find the right deal for your unique needs.
1st Florida Lending Corp., a registered Mortgage Lender Orlando servicing only the State of Florida, offering over 48 loans programs
including Conventional Loans, Non-Conforming Loans, FHA Loans, VA Loans, USDA Loan, Self-Employed Loans, Bank Statement
Loans, No-Doc Loans, Reverse Mortgage Loans, ITIN Loans, Rental Investment Loans, to name a few and specializing in Bank
Statement Loans or “stated loans” requiring no Tax Return verification and much more. * No broker or lender fees are for FHA,VA, USDA
and Conventional loan types Main Office: 2151 Consulate Dr. * Suite 8 * Orlando, FL., 32837 * Telephone (800) 655-1345 * (407)
300-2558 * Fax (877) 401-9955We are approved lenders for all Government Loans and registered with the Florida Office of Financial
Regulation - # MLD106When Banks Say No ! We Say YES ! ® is a registered trademark owned by 1st Florida Lending Corp.
Florida’s Top Rated DIRECT MORTGAGE Lender I A+ BBB RATED
800-655-1345 I CALL OR TEXT us AT 407-300-2558
1st Florida Lending Corp., a registered Mortgage Lender
Orlando servicing only the State of Florida, offering over
48 loans programs including Conventional Loans, Non-
Conforming Loans, FHA Loans, VA Loans, USDA Loan, Self-
Employed Loans, Bank Statement Loans, No-Doc Loans,
Reverse Mortgage Loans, ITIN Loans, Rental Investment
Loans, to name a few and specializing in Bank Statement
Loans or “stated loans” requiring no Tax Return
verification and much more. * No broker or lender fees
are for FHA,VA, USDA and Conventional loan types
Main Office: 2151 Consulate Dr. * Suite 8 * Orlando,
FL., 32837 * Telephone * (800)856-7097 * (800) 655-1345
* (407) 300-2558 * Fax (877) 401-9955
* Disclaimer: All Loan programs, rates and terms can
change without notice and are subject to credit and
underwriting approval. Loan charts highlight min/max
constraints, assumptions & random scenarios only. We
will always work hard to approve your loan but there are
no guarantees of any kind expressed or implied that any
loan we be approved. Licensed in Florida Only. When
Banks Say No ! We Say YES ! ® is a registered trademark
owned by 1st Florida Lending Corp. Florida lender license
# MLD106.
© 2007 - 2022 1st Florida Lending Corp. - All rights reserved
We offer over 48 loan programs in every county
in the State of Florida as follows; Alachua
County,Baker County,Bay County,Bradford
County,Brevard County,Broward County,Calhoun
County,Charlotte County,Citrus County,Clay
County,Collier County,Columbia County,DeSoto
County,Dixie County,Duval County,Escambia
County,Flagler County,Franklin County,Gadsden
County,Gilchrist County,Glades County,Gulf
County,Hamilton County,Hardee County,Hendry
County,Hernando County,Highlands
County,Hillsborough County,Holmes County,Indian
River County,Jackson County,Jefferson
County,Lafayette County,Lake County,Lee
County,Leon County,Levy County,Liberty
County,Madison County,Manatee County,Marion
County,Martin County,Miami-Dade County,Monroe
County,Nassau County,Okaloosa
County,Okeechobee County,Orange
County,Osceola County,Palm Beach County,Pasco
County,Pinellas County,Polk County,Putnam
County,Santa Rosa County,Sarasota
County,Seminole County,St. Johns County,St. Lucie
County,Sumter County,Suwannee County,Taylor
County,Union County,Volusia County,Wakulla
County,Walton County,Washington County
What is a Verification of
Employment (VOE) only
Mortgage?
A The Verification of Employment (VOE) loan option uses your employment history as the primary criteria for a home purchase. Tax returns, W2s, and Paystubs are not required. Have you been denied or had your loan application rejected by more stringent loan requirements? A VOE Mortgage may be a program to consider. With a VOE mortgage, you don’t need W-2’s, pay stubs or tax returns. VOE or Verification of Employment is a type of mortgage program where all of the verification is handled directly with the employer. If you’re a salaried worker or a wage earner, this program could work for you as an alternate type of financing. What Type of Company Do I Have to Work For? • The employer can be from a variety of industries, i.e. mechanic, nail salon, hair salon, barber, restaurant, call center, doctor’s office, etc. • The employer does not have to have a large staff. • The employer must have an Internet presence with current information from 3rd party sites such as a google page, manta.com, yellowpages.com etc...How to Get the Best Deal with a VOE Loan
With the VOE loan program, approval is much faster than through a conventional or FHA loan. You’ll need a credit score of at least 680 in order to get the best deal, and a 20% down payment on the home. You’ll also need to have the home as your primary residence. You can use 100% of gift funds to purchase the home as well. In addition, there are flexible loan terms with a VOE mortgage. You can choose from a 30-year fixed loan, or a 7/1 ARM adjustable-rate mortgage (with the interest paid during the fixed period). Plus, because no tax returns or pay stubs are required, all you need to show is income or have your employer verify your employment for as little as the last two years.Loan Highlights
• Credit score as low as 620 • 15% down payment on purchase (with 720 FICO) • Loan amounts up to $5 million • No tax returns, no paystubs, no W2 • Fully completed Verification of Employment confirming 2 years of employment required • Can use 100% giftBasic Requirements:
• 2 years employment history with same employer • Employer must fill out verification of employment form • 6–12-month reserves (determined by underwriting)How to I proceed obtaining a VOE Mortgage
Loan
At 1st Florida Lending, we specialize in working with individuals who are seeking out alternative forms of financing and challenging scenarios. If you are looking for a Jumbo loan, with a VOE loan, our maximum loan amount is $5 million, which makes this an excellent choice for those looking for a luxury residence, and who can’t get approved for a Jumbo loan by the traditional route. It is also important to note that like with any type of loan, there are certain requirements involved. That’s why it’s a good idea to work with a knowledgeable lender who can help you understand these requirements and what you’ll need in order to get your financing approved. Click Here if you’re ready to start the process by completing a 1-minute questionnaire that provides us with basic information. Once completed, you will be assigned an experienced/licensed loan officer who will answer your questions and work with you to obtain a prosed rate and loan pre-approval letter if you are still shopping for home or a full approval and funding timeline if you already have a signed purchase agreement. The good news is that even if you don’t qualify for a VOE loan, we over 48 potential loan programs we can explore together to help you find the right deal for your unique needs.
Toll Free Office: (800) 856-7097
Loan Inquiries: (407) 300-2558
Fax: (877) 401-9955 (24/7)
support@1floridalending.com
Click Locater Icon for Map
Contact Us
We Offer over 48 Loan Programs
Conventional Loans - 6 programs Self-Employed Loans - 14 programs FHA Loans - 8 programs VA Loan Programs - 4 programs USDA Loans - 3 programs No-Income Verification Loans - 9 programs Foreign National Loans - 6 programs No Income / No Employment Stated Home Loans Reverse Mortgage Loans Asset Depletion Loans Construction-to-Perm Loans - suspended Non-Warrantable Condos & Condotels Loans Fix and Flip Bridge Loans
VOE LOANS
ONLY VERIFICATION OF EMPLOYMENT
REQUIRED TO PURCHASE YOUR HOME
NO TAX RETURNS
NO PAYSTUBS
NO W2’s