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

Product Center

Product Detail

While many lenders have limited their scope, we continue to expand our presence across various states, serving borrowers in 45 states, including some of the most dynamic markets like California and Texas. Our expansive reach allows us to understand and adapt to regional nuances, ensuring that our clients in different states receive localized support while still benefiting from our nationwide expertise. Mortgage Broker Georgia , Florida Mortgage Broker Or Lender , For Sale By Owner , At AAA LENDINGS, our commitment to excellence extends to our team. We're proud to have a dedicated group of professionals who are experts in the mortgage industry. Our loan officers are not just experts; they are your allies. They are here to guide you through the entire lending process, from application to closing. We take pride in our team's expertise, ensuring you receive the highest level of service and support.
– 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:
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: Dubai , Ecuador , French , We are proud to supply our products to every auto fan all around the world with our flexible, fast efficient services and strictest quality control standard which has always approved and praised by customers.
    • Managers are visionary, they have the idea of mutual benefits, continuous improvement and innovation, we have a pleasant conversation and Cooperation.
    5 Stars By Delia from The Swiss - 2017.07.28 15:46
    The customer service staff is very patient and has a positive and progressive attitude to our interest, so that we can have a comprehensive understanding of the product and finally we reached an agreement, thanks!
    5 Stars By Antonia from Thailand - 2017.11.12 12:31

    Related PRODUCTS

    Hit enter to search or ESC to close