VOE Loans

Qualify for a Mortgage with Verification of Employment Instead of Tax Returns

A VOE Loan (Verification of Employment Loan) is a flexible Non-QM mortgage program that allows qualified borrowers to purchase or refinance a home using a Verification of Employment (VOE) rather than traditional income documentation such as tax returns, W-2s, or pay stubs. If your income is difficult to document through conventional lending guidelines, a VOE mortgage may be the ideal financing solution.

At Nations Trust Mortgage, we specialize in helping borrowers qualify when banks say no. Our streamlined underwriting process makes it easier to obtain financing while reducing paperwork and speeding up approvals.

Why Choose Our VOE Loan

• No tax returns required
• No W-2s or pay stubs
• Verification of Employment used to verify income
• Available for Purchase, Rate & Term Refinance, and Cash-Out Refinance
• Loan Amounts Up to $4 Million
• Primary Residence, Second Homes & Investment Properties
• Flexible Credit Guidelines
• First Time Home Buyers are welcome 
• Competitive Interest Rates
• Fast Approvals and Closings

Who Can Benefit?

A VOE Loan may be an excellent option for:

• Salaried employees with consistent employment
• Commission-based employees
• Executives and corporate professionals
• Borrowers who prefer a simplified documentation process
• Individuals who recently changed tax strategies that reduce taxable income
• Borrowers who do not qualify under conventional agency guidelines

Why Choose Nations Trust Mortgage?

At Nations Trust Mortgage, we specialize in Non-QM financing and understand the unique needs of salaried borrowers. Our experienced mortgage professionals work with multiple wholesale lenders to find competitive solutions tailored to your financial situation.

Whether you’re purchasing your dream home, refinancing your current mortgage, or accessing your home’s equity, we’ll help you secure financing with a smooth and efficient process.

When you work with us, you’ll receive:

• Expert guidance from experienced Non-QM specialists
• Fast pre-qualification
• Personalized loan options
• Competitive rates
• Responsive communication
• A streamlined mortgage process from application to closing

Our goal is simple:

Help you get approved quickly with the financing solution that best fits your financial profile.