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Transparency is at the core of our operations. We take pride in our open and honest communication with our clients. No hidden fees, no surprises. We provide clear, straightforward information about your mortgage options, ensuring you have all the facts to make informed decisions. Our goal is to build trust with our clients by being forthright and transparent, making your home financing experience as smooth as possible. Georgia Mortgage Broker Or Lender , Mortgage Lender 90 Ltv , Top 5 Mortgage Refinance Companies , The world of mortgages is constantly evolving, and we are on the cutting edge of innovation. At AAA LENDINGS, we offer state-of-the-art digital tools and mobile-friendly platforms that allow you to start your mortgage application or receive updates on the go. Our user-friendly technology streamlines the process, putting the power of mortgage management in the palm of your hand. We know your time is valuable, and our tech-savvy solutions save you time and hassle.
– AAA Lendings Non-QM Salary borrower Program – WVOE (Written Verification of Employment) – AAA Lendings Detail:

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Overview

It’s a good choice for wage earner who can not be qualified with agency loan and do not want to provide varities of income documents.

Program Highlights

1) Foreign national allowed;
2) 12 months reserves calculated on PI;
3) No paystub / W-2 / tax return needed;
4) Gift funds allowed;
5) Loan amount up to $2.5M;
6) Down payment as low as 30%;
7) Min. FICO 680.

What is WVOE?

A Written Verification of Employment (WVOE) is a form to be completed by a borrower’s current employer to verify specific details about their employment, such as dates of hire, compensation structure (salary, bonus, commissions), and year to date earnings. At AAA LENDINGS, this WVOE form can be used to confirm a borrower’s income.

How to calculate the salary?

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

Remind the employer to complete the WVOE form, then lender will proceed with the loan faster.

Product detail pictures:

– AAA Lendings Non-QM Salary borrower Program – WVOE (Written Verification of Employment) – AAA Lendings detail pictures

Related Product Guide:
Navigating the mortgage landscape can be complicated, but AAA LENDINGS simplifies the process, making it engaging and stress-free. We offer a clear and concise document collection system, allowing you to easily upload the required paperwork online. We are keenly aware that your time is valuable, and by making the process smoother, we keep you actively engaged and in control of your mortgage journey. – AAA Lendings Non-QM Salary borrower Program – WVOE (Written Verification of Employment) – AAA Lendings , The product will supply to all over the world, such as: Swedish , kazakhstan , Costa rica , Upon today, we've customers from all over the world, including USA, Russia, Spain, Italy, Singapore, Malaysia, Thailand, Poland, Iran and Iraq. The mission of our company is to provide the highest quality products with best price. We've been looking forward to doing business with you.
    • The supplier abide the theory of quality the basic, trust the first and management the advanced so that they can ensure a reliable product quality and stable customers.
    5 Stars By Juliet from Myanmar - 2018.06.19 10:42
    The factory has advanced equipment, experienced staffs and good management level, so product quality had assurance, this cooperation is very relaxed and happy!
    5 Stars By Elsa from Georgia - 2018.05.13 17:00

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