Wholesale - AAA Lendings Non-QM Salary borrower Program – WVOE (Written Verification of Employment) – AAA Lendings lender and investor

Product Detail

AAA LENDINGS takes pride in our community involvement and social responsibility. We believe that being a responsible lender means giving back to the communities we serve. Our team actively participates in charitable initiatives, supporting local causes, and promoting financial literacy. We're not just in the business of providing loans; we're invested in making a positive impact on the lives of our clients and the communities they call home. New Yourk Mortgage Broker Or Lender , Direct Lenders In Ca , Foreigner Personal Loan , When it comes to rates, AAA LENDINGS is committed to providing competitive and affordable options. We know that securing a mortgage involves not just finding your dream home but also ensuring that it remains an affordable investment. Our dedication to offering competitive rates means that you can confidently embark on your homeownership journey, knowing that you've secured a mortgage that suits your budget.

– 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.

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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. – 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: Georgia , Detroit , Angola , To achieve reciprocal advantages, our company is widely boosting our tactics of globalization in terms of communication with overseas customers, fast delivery, the best quality and long-term cooperation. Our company upholds the spirit of innovation, harmony, team work and sharing, trails, pragmatic progress. Give us a chance and we'll prove our capability. With your kind help, we believe that we can create a bright future with you together.

-AAA Lendings

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.