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Our commitment to transparency goes beyond the initial stages of the mortgage process. We ensure that you have a clear understanding of your mortgage terms, including interest rates, fees, and closing costs. There are no surprises on the closing day. We're dedicated to providing you with straightforward, jargon-free explanations, so you can confidently navigate the financial aspects of your home purchase or refinance. Direct Lenders In Ca , Dfpi Mortgage Lender , What Is Non-Qm Loan , One of our flagship offerings is our 'Non-QM' loan products, and we take great pride in leading the way in this lending category. We are highly specialized in this domain, with extensive experience and an early entry into the market, making us adept at understanding and addressing your financial needs. Navigating the path to your financial goals becomes an easier, more achievable journey with AAA LENDINGS by your side. Experience the power of customized lending with us today, and let us help you achieve your financial aspirations.
– AAA Lendings Enhanced R series – Elite WVOE – AAA Lendings Detail:

E WVOE 2

Overview

Similar with WVOE. 7/6 ARM (5/1/5).

CA,CO,GA,IL.VA,WA are available.

Details

1) Foreign national allowed;
2) No paystub / W-2 / tax return needed;
3) Gift funds allowed;
4) Loan amount up to $2.0M;
5) Down payment as lower as 30%;
6) Min. FICO 680.

What’s the program?

Did you have ever meet this kind of case?
Did the Lender condition updated paystubs again and again?
Did the lender calculate your income and tell you not qualify with the house mortgage?
Are you hard to find your copies of W2s or paystubs?

We AAA Lendings offer you a perfect Non-QM program– WVOE(Written Verification of Employment). If the salaried borrowers receive a consistent wage or salary from an employer in return for a service rendered and have no ownership or less than 25% ownership interest in the business.

Salaried borrowers receive a consistent wage or salary from an employer in return for a service rendered and have no ownership or less than 25% ownership interest in the business. Compensation may be based on an hourly, weekly, biweekly, monthly, or semi-monthly basis. If hourly, the number of scheduled hours must be addressed. The income that is verified must be converted into a monthly dollar amount for use on the formal application (FNMA Form 1003). At the discretion of the underwriter, supplementary documentation of income may be requested

What’s the benefits?

For this program, the lender only need a WVOE form to calculate qualified income, no any other income documents needed. This should be most the most attractive key point of this program. No any agency loans can do such program. Besides, different from other programs, this program doesn’t need applicants’ too much assets. In general, this is a good program for salaried borrowers who can not do agency loans.

How to calculate?

- Use the base salary (semi-monthly, bi-weekly, or hourly rate as supported by YTD) from WVOE.
Examples:
◦ Semi-monthly: Semi-monthly amount multiplied by 2 equals monthly income.
◦ Bi-weekly: Bi-weekly amount multiplied by 26 divided by 12 equals monthly income.
◦ Teacher paid for 9 months: Monthly amount multiplied by 9 months divided by 12 months
equals monthly qualifying income.

Reminder the employer to complete the WVOE form, then lender will proceed with the loan fast.


Product detail pictures:

– AAA Lendings Enhanced R series – Elite WVOE – AAA Lendings detail pictures


Related Product Guide:

At AAA LENDINGS, we believe in giving back to our valued customers. That's why we offer a loyalty program that rewards you for your trust and ongoing partnership with us. Our loyalty program is designed to keep you engaged and appreciated, offering exclusive benefits and discounts for our returning customers. Your commitment to AAA LENDINGS is recognized and rewarded, and we strive to make your continued interest in our services a rewarding experience. – AAA Lendings Enhanced R series – Elite WVOE – AAA Lendings , The product will supply to all over the world, such as: Liverpool , Ecuador , Brisbane , Strong infrastructure is the need of any organization. We are backed with a robust infrastructural facility that enables us to manufacture, store, quality check and dispatch our products worldwide. To maintain smooth work flow, we have sectioned our infrastructure into a number of departments. All these departments are functional with latest tools, modernized machines and equipment. Owing to which, we are able to accomplish voluminous production without compromising upon the quality.
  • The company's products very well, we have purchased and cooperated many times, fair price and assured quality, in short, this is a trustworthy company!
    5 Stars By Stephen from Italy - 2017.09.16 13:44
    High Quality, High Efficiency, Creative and Integrity, worth having long-term cooperation! Looking forward to the future cooperation!
    5 Stars By Edwina from Barcelona - 2017.09.09 10:18