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Loan Programs
Non-QM – Verification of Employment
A "verification of employment mortgage loan" refers to a type of mortgage where the lender verifies the borrower's employment status and income directly with the borrower's employer as part of the loan application process. No pay stubs or tax returns required by the lender. This loan follows the FHA guidelines.
Down Payment
Borrowers may be able to qualify for a verification of employment loan with a down payment as low as 3.5% of the home's purchase price.
Credit Score
Borrowers typically need a good credit score to qualify for a verification of employment mortgage loan– minimum fico required is 680.
Income Verification
Income is verified by pulling a verification of employment (VOE) through Equifax. The borrower needs to be employed with the employer for a minimum of 2 years.
Mortgage Insurance
This loan follows the FHA guidelines for mortgage insurance.
Loan Limits
The verification of employment loans follows the FHA guidelines – they vary by location and are set annually by HUD. These limits are based on the median home prices in each area and are meant to ensure that FHA loans are accessible to borrowers in different housing markets.
*No-income verification loan rates are substantially higher than currently available mortgage rates.

NMLS #2051275
• www.nmlsconsumeraccess.org

• Licensed by:
o District of Columbia Department of Insurance, Securities & Banking #MLB 2051275
o Florida Office of Financial Regulation #MBR4894
o Maryland Office of Financial Regulation #2051275
o Virginia Bureau of Financial Institutions #MC-7155
• 4Ever Lending USA LLC arranges loans with third-party providers, does not make any mortgage loan commitments or fund any mortgage loans.
• For informational purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval.

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