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Verification of Employment Mortgage

No Tax Returns, No Tax Transcripts Required, No W2’s, and No Paystubs. Only a Verification of Employment from Employer Required for Income!

Verification of Employment Mortgage

Salaried borrowers with only a Verification Of Employment form executed by the employer.

Verification of Employment Loan Program Details:

  • Up to 80% Loan to Value
  • Debt to Income Ratio up to 49.99%
  • Loans up to $3 million (minimum loan $150,000)
  • Credit scores 640 or higher
  • No 4506 / IRS Tax Transcripts required
  • No Paystubs required
  • No W2’s required
  • Primary residence, secondary home and investment properties allowed
  • 5/1 ARM or 30-year fixed
  • Investment Gift Allowed with 10% Own Funds

Frequently Asked Questions

Are these mortgages available for investment properties?
Yes, Fidelity Home Group offers Verification of Employment Loans for investment properties, but you must have good credit and a lot of assets.

Are Verification of Employment loans available for jumbo loans?
Yes, jumbo financing is available.

What types of properties are eligible for Verification of Employment loans?
You may finance the purchase of any single family residence, 2-4 unit property, or a condominium.

What is the minimum down payment possible with the Verification of Employment program?
The minimum down payment is 20%, which is an LTV of 80%.

Is mortgage insurance required on a Verification of Employment loan?
No, mortgage insurance is not required, since the LTV is below 80%.

Is it ok if I am not employed and/or retired?
No, this program requires a verification of employment from your employer. No pay stubs, W2’s or tax returns  / tax transcripts are required. 

When your ready to get started on your Verification of Employment loan, we are experts to guide you through the entire process, the first step is getting you pre-approved. You can click on the button below or apply online; if you prefer to speak with one of our Home Buyer Experts, we would be happy to speak with you at 888-259-2257.

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*Assumes 2.799% APR, 20% down payment, and conforming 30-year fixed rate first mortgage on a single family, primary residence. The monthly payment you enter includes only principal and interest. Additional required amounts such as taxes, insurance, home owner association dues, assessments, mortgage insurance premiums, flood insurance or other such required payments should also be considered. Not all individuals will qualify for a mortgage loan based on the payment entered. Rates cited are for instructional purposes only; current rates are subject to change at any time without notice.  **Posted APR is based on Mortgage Assumptions
 
 
Copyright © 2021 Fidelity Home Group supports Equal Housing Opportunity | All Right Reserved  | NMLS Identifier 1834853. Fidelity Home Group is not affiliated with the Department of Housing and Urban Development (HUD) or the Federal Housing Administration (FHA). Fidelity Home Group is a Mortgage Corporation serving the state of Florida. Not intended for legal or financial advice, consult your own professionals if such advice is sought. Accessibility Statement  | Consent to Receive Electronic Loan Documents  |  Cookies Policy   |  Disclosures  | Email and Mobile PolicyFair Lending Policy  |  File a Complaint Mortgage Assumptions  |  NMLS Consumer Access  |  Privacy Policy  |  Terms of Use 

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Fidelity Home Group
4700 Millenia Blvd Suite 175, Orlando, FL 32839

Hours of Operation:

Monday - Friday 8am to 7pm EST
Saturday - Sunday 10am to 6 pm EST