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

Product Detail

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. Top Mortgage Companies To Work For , Conventional Loan Second Home , Mortgage Lender For Bad Credit , At AAA LENDINGS, we understand that choosing a mortgage lender is a pivotal decision. That's why we go the extra mile to make your experience as inviting as possible. We offer a user-friendly website with easy navigation, ensuring that you can access essential information effortlessly. You'll also find helpful tools and resources like mortgage calculators and informative blog posts, designed to empower you with knowledge and make your mortgage journey engaging and educational.

– 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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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: Los Angeles , Washington , UK , Our company now has many department, and there have more than 20 employees in our company. We set up sales shop, show room, and product warehouse. In the meantime, we registered our own brand. We have tightened inspection for quality of product.

-AAA Lendings

Although we are a small company, we are also respected. Reliable quality, sincere service and good credit, we are honored to be able to work with you!