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Customer education is a cornerstone of AAA LENDINGS' mission. We believe that an informed borrower is an empowered borrower. That's why we go the extra mile to provide educational resources and guidance to help you navigate the complexities of the mortgage process. Our team is dedicated to answering your questions, explaining the intricacies of interest rates, loan options, and more, ensuring that you make well-informed decisions. Your financial literacy and confidence matter to us. Mortgage Broker Salary California , Top Mortgage Lenders List , Conventional Loan Amount , As part of our commitment to staying at the forefront of the industry, we invest heavily in cutting-edge technology to streamline the mortgage application and approval process. This not only speeds up the application process but also provides you with real-time updates on your mortgage status, giving you peace of mind and eliminating the uncertainty that can often come with the mortgage process. Our tech-driven approach allows us to offer a seamless and convenient experience, making your journey to homeownership or refinancing as efficient as possible.
– 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:
Innovation is part of our DNA. We continuously seek ways to enhance the mortgage experience for our clients. Our state-of-the-art online application process, secure document management, and digital communication options offer a seamless, paperless mortgage journey. With AAA LENDINGS, you can expect a modern, efficient, and secure mortgage lending experience that keeps up with the fast-paced world of technology. Your convenience and security are paramount to us. – 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: Estonia , Durban , Barbados , We have sufficient experience in producing products according to samples or drawings. We warmly welcome customers from home and abroad to visit our company, and to cooperate with us for a splendid future together.
    • This is a very professional wholesaler, we always come to their company for procurement, good quality and cheap.
    5 Stars By Bess from Zimbabwe - 2018.02.04 14:13
    High Quality, High Efficiency, Creative and Integrity, worth having long-term cooperation! Looking forward to the future cooperation!
    5 Stars By Arthur from Eindhoven - 2018.12.30 10:21

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