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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. Top 5 Mortgage Lenders , Mortgage Lender Greensboro Nc , Zillow Top Mortgage Lenders , At AAA LENDINGS, we operate under the firm belief that 'No Loan is impossible.' This belief is the driving force behind our operations and is embodied in our motto, Able to Assist, Always. It encapsulates the true essence of our AAA brand. We recognize that different customers and diverse lending scenarios require unique solutions, and we are fully prepared to offer them.
– 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:
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. – 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: Cologne , Bahamas , Singapore , Based on our automatic production line, steady material purchase channel and quick subcontract systems have been built in mainland China to meet customer's wider and higher requirement in recent years. We are looking forward to cooperating with more clients worldwide for common development and mutual benefit!Your trust and approval are the best reward for our efforts. Keeping honest, innovative and efficient, we sincerely expect that we can be business partners to create our brilliant future!
    • The factory can meet continuously developing economic and market needs, so that their products are widely recognized and trusted, and that's why we chose this company.
    5 Stars By Betsy from Madrid - 2017.09.26 12:12
    A nice supplier in this industry, after a detail and careful discussion, we reached a consensus agreement. Hope that we cooperate smoothly.
    5 Stars By Miranda from Pakistan - 2017.08.28 16:02

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