1 (877) 789-8816 hello@aaalendings.com
TPO Portal
U.S.

Product Center

Product Detail

For many of our clients, a mortgage is more than just a financial transaction; it's a significant life milestone. Whether you're a first-time homebuyer or a seasoned real estate investor, we approach each application with the care and attention it deserves. We take the time to understand your goals and aspirations, ensuring that your mortgage aligns with your vision for your future. Conventional Loan Options , Mortgage Loan Guide , Fidelity Bonds , As your mortgage partner, we offer more than just loans; we offer a community. AAA LENDINGS is dedicated to creating a sense of belonging for our clients. Our online platform features forums and discussions where you can connect with fellow borrowers, share experiences, and seek advice. This community-driven approach fosters an engaging environment where you can find support, insights, and inspiration as you navigate the path to homeownership.
– AAA Lendings Non-QM Salary borrower Program – WVOE (Written Verification of Employment) – AAA Lendings Detail:

未标题-4

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:
At AAA LENDINGS, we believe in giving back to our valued customers. That's why we offer a loyalty program that rewards you for your trust and ongoing partnership with us. Our loyalty program is designed to keep you engaged and appreciated, offering exclusive benefits and discounts for our returning customers. Your commitment to AAA LENDINGS is recognized and rewarded, and we strive to make your continued interest in our services a rewarding experience. – 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: Latvia , Zambia , Mumbai , Our company has already had a lot of top factories and qualified technology teams in China, offering the best goods, techniques and services to worldwide customers. Honesty is our principle, skilled operation is our work, service is our goal, and customers' satisfaction is our future!
    • The company has a good reputation in this industry, and finally it tured out that choose them is a good choice.
    5 Stars By Michaelia from Jakarta - 2018.06.18 19:26
    Hope that the company could stick to the enterprise spirit of Quality, Efficiency, Innovation and Integrity, it will be better and better in the future.
    5 Stars By Letitia from Toronto - 2017.08.18 11:04

    Related PRODUCTS

    Hit enter to search or ESC to close