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WVOE-Only FHA Program
Fast FHA Financing with No Income Documentation Required
Qualify FHA buyers quickly and easily without the hassle of traditional income paperwork. This program uses a clean Written Verification of Employment (WVOE) to approve W-2 borrowers, making it perfect for clients with variable income streams like tips, bonuses, or overtime who may not fit standard AUS guidelines.
FAQs
Who is eligible for the WVOE-Only FHA Program?
Any W-2 borrower whose income can be verified directly with an employer through a clean WVOE.
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Can self-employed borrowers use this program?
No, this program is specifically for W-2 wage earners.
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What does “clean WVOE” mean?
It means the verification of employment matches the borrower’s stated income without discrepancies.
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Are there credit score requirements?
Yes — standard FHA minimum credit requirements apply.
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How long does approval take?
With a clean WVOE, approvals can be issued in days rather than weeks.
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Can this be combined with down payment assistance?
Yes, in many cases it can be paired with eligible FHA down payment assistance programs.
Why This Program Works for W-2 Borrowers
Many strong W-2 buyers lose out on homeownership opportunities because tax returns don’t accurately reflect their real earning potential. This program sidesteps that problem by verifying employment directly with the employer — no pay stubs, tax returns, or extra income documents required. It’s a faster, more flexible option for clients with variable or hard-to-document earnings.
A Smarter Way to Get Approved
Instead of waiting weeks for traditional underwriting to review tax returns, borrowers can close faster by submitting just a WVOE. This means less paperwork, quicker decisions, and a better client experience.