Skip to content

Transform Complex Income into Simple Approvals with Our WVOE Loan Program

ARDRI’s Written Verification of Employment (WVOE) Loan Program is a streamlined solution for wage-earning borrowers who may not have traditional tax returns but possess verifiable income. With the WVOE loan program, you can help your clients secure the financing they need while enjoying a simplified qualification process.

PRICE A LOAN DOWNLOAD FLYER

Transform Complex Income into Simple Approvals with Our WVOE Loan Program

ARDRI’s Written Verification of Employment (WVOE) Loan Program is a streamlined solution for wage-earning borrowers who may not have traditional tax returns but possess verifiable income. With the WVOE loan program, you can help your clients secure the financing they need while enjoying a simplified qualification process.

PRICE A LOAN DOWNLOAD FLYER

Transform Complex Income into Simple Approvals with Our WVOE Loan Program

WVOE Loans Hero Background

ARDRI’s Written Verification of Employment (WVOE) Loan Program is a streamlined solution for wage-earning borrowers who may not have traditional tax returns but possess verifiable income. With the WVOE loan program, you can help your clients secure the financing they need while enjoying a simplified qualification process.

Ideal Borrowers

A successful real estate agent, William earned high commissions but struggled to qualify for a conventional mortgage due to complex tax returns and varying income. With ARDRI’s WVOE Loan Program, William can skip the tax returns and qualify with either 1 or 2 years of verifiable Written Verification of Employment from his employer.

This program is great for borrowers who:

  • W-2 Employees: Borrowers with consistent, verifiable income from employment.
  • Commissioned Employees: Individuals earning part or all of their income through commissions.
  • Bonus Recipients: Borrowers who rely on bonuses as a significant portion of their income.
  • Non-Self-Employed Borrowers: Wage earners employed by companies (not self-employed individuals or those using self-prepared income documents).
  • Clients Seeking Simplicity: Borrowers who may face challenges providing traditional tax returns but have stable, employer-verified income.

Program Highlights

  • LTV up to 80% for Purchase
  • LTV up to 75% for Cash-out Refinance
  • Minimum 600 FICO
  • Loan amounts up to $4M
  • Primary, Second Home & Investment
  • No MI
  • No Reserve Options
  • 30YR and 40YR I/O terms available (Fixed or ARM)
  • SFR, 2-4 Units, Condos (and Non-Warrantable), PUD

Click here to view pricing and eligibility for ARDRI’s WVOE Loan Program or price a loan with askARDRI.

Why Partner with ARDRI?

At ARDRI, we pride ourselves on being a technology-driven, client-focused lender committed to helping mortgage brokers provide solutions tailored to their clients’ needs. With the WVOE program, you can offer a transparent and efficient path to financing for borrowers who need a different approach.

Why Partner with ARDRI?

At ARDRI, we pride ourselves on being a technology-driven, client-focused lender committed to helping mortgage brokers provide solutions tailored to their clients’ needs. With the WVOE program, you can offer a transparent and efficient path to financing for borrowers who need a different approach.

Ready to Simplify Lending?

Contact ARDRI today to learn more about how our WVOE Loan Program can expand your lending options and help your clients achieve their goals. Call us today at 855.855.8598 to learn more or start your borrower’s application!

GET APPROVED

Is Your Borrower Ready to Invest?

Contact ARDRI today to learn more about how our WVOE Loan Program can expand your lending options and help your clients achieve their goals. Call us today at 855.855.8598 to learn more or start your borrower’s application!

Meet Our Non-QM Loan Programs

As a client-focused mortgage lender, ARDRI provides TPO brokers with innovative financing solutions that make closing deals easier. Get to know our comprehensive consumer and business loan programs!

Meet Our Non-QM Loan Programs

As a client-focused mortgage lender, ARDRI provides TPO brokers with innovative financing solutions that make closing deals easier. Get to know our comprehensive consumer and business loan programs!

Meet Our Non-QM Loan Programs

As a client-focused mortgage lender, ARDRI provides TPO brokers with innovative financing solutions that make closing deals easier. Get to know our comprehensive consumer and business loan programs!