VOE means Verification of Employment. It is used to confirm employment details as part of the loan review.

Is a VOE only mortgage the same as a bank statement loan

No. Bank statement loans typically use deposits to calculate income. VOE programs may focus more on employment verification and ability to repay based on the lender guidelines.

Can gig workers and contractors qualify

Possibly. Gig workers, contractors, and self employed borrowers may have options depending on the lender program, credit profile, and documentation available.

Use the Apply Now link or call or text 713-955-4685 to review your scenario and next steps.

Do VOE Only loans require tax returns?

No. VOE Only loans do not require personal tax returns or W2s. Qualification is based on verified employment and lender-approved documentation.

Who qualifies for a VOE Only mortgage loan?

VOE Only loans may be suitable for entertainers, gig workers, contractors, rideshare drivers, and borrowers employed by family businesses who do not qualify under conventional documentation rules.

Are VOE Only loans assumable?

No. VOE Only mortgage loans are typically not assumable and must be paid off when the property is sold.

Are VOE Only loans available in Texas?

Yes. VOE Only mortgage loan options are available in Texas, including Lewisville and Denton County, subject to program availability.

VOE Only Mortgage Loans in Lewisville, TX

Liberty Home Mortgage helps qualified borrowers in Lewisville (75056) and Denton County explore VOE-only mortgage options (program dependent). VOE stands for Verification of Employment. These Non-QM programs may allow income review using a Verification of Employment and other supporting documentation, depending on the lender and borrower profile.

Proudly serving Lewisville (75056), Denton County, and borrowers across Texas.

✅ Apply Now • 📞 Phone & Text: 713-955-4685 • ✉️ info@libertyhomemortgage.com

What a VOE Only Loan Is

A VOE-only loan is a mortgage option where the lender may verify employment and income using a written Verification of Employment (VOE) and supporting documentation rather than relying only on traditional paystubs, W-2s, and tax returns (program dependent). Guidelines vary by lender. Underwriting typically reviews the overall strength of the file, including credit, down payment, reserves, and employment stability.

Program guidelines vary by lender. All loans are subject to underwriting approval.

Who This Loan May Be For

Exact terms vary by lender and scenario. VOE-only programs may be considered for borrowers such as (program dependent):

Borrowers employed by a family-owned business
Borrowers with a second job at a family business
Borrowers with variable income where VOE verification can document stability
Some entertainers or commission-based earners (program dependent)
Borrowers who do not fit standard agency documentation rules

What Lenders Usually Require

VOE-only programs focus on verifying employment stability and the probability of continued income (program dependent). Depending on the lender, common requirements may include:

Completed Verification of Employment (VOE) form
Employer, payroll department, or company accountant signature (as required)
Date employment began and current position
Gross annual earnings and/or compensation details (as verified)
Statement of probability of continued employment (when required)
Disclosure of ownership in the business, if any
Credit review and housing history
Down payment, assets, and reserve verification (if required)

Who May Not Qualify

Unable to verify stable employment or a consistent income pattern
Recent major credit events without required seasoning (program dependent)
Debt levels exceeding program limits (program dependent)
Property or occupancy types not allowed by the lender (program dependent)

How the Process Works

Quick review: You tell us your goal and your employment situation.
Program match: We confirm whether VOE-based programs fit (program dependent).
Clear checklist: We provide the exact documents the lender wants.
Underwriting & closing: We guide you step by step through conditions and closing.

Here are related loan programs you can compare (eligibility and program rules apply):

Related Programs

If you need alternative documentation, compare these options depending on your situation:

Frequently Asked Questions

What does VOE mean?

VOE stands for Verification of Employment. It is a written confirmation completed by an employer, payroll department, or company accountant (program dependent).

Is a VOE loan the same as a bank statement loan?

No. Bank statement loans typically calculate income from deposits. VOE-only loans focus on verified employment and income confirmation through the VOE and supporting documents (program dependent).

Do VOE-only loans work in Lewisville, TX?

Yes. We review VOE-only options for borrowers in Lewisville (75056), Denton County, and across Texas, based on program availability and eligibility (program dependent).

What if I own part of the business?

Some programs require ownership disclosure and may have different documentation rules. We review the details and match the right program (program dependent).

How do I start?

Apply online or call or text us. We’ll review your goal and provide a simple checklist for the lender (program dependent).

Talk to a VOE Loan Specialist

📞 Phone & Text: 713-955-4685
✉️ info@libertyhomemortgage.com
🌐 www.libertyhomemortgage.com
✅ Apply Now

Equal Housing Lender 🏠⚖️
Company NMLS: 321164 • Aslam Mansoor NMLS: 184238
Liberty Home Mortgage • 4400 State Hwy 121 STE 300 • Lewisville, TX 75056

All loans are subject to underwriting approval and credit review. Some restrictions may apply. Programs, rates, and terms are subject to change without notice.