Francisco Williams, CCIM
Non-QM & Alternative Doc

Alt-Doc — W-2

WVOE Only (W-2 Employee)

Qualify on a Written Verification of Employment alone — no paystubs or tax returns.

Available throughout Southern California through Francisco Williams, CCIM, NMLS #1858674.

680

Min FICO

85%

Max LTV

wvoe

Docs

Ideal borrower

W-2 employees whose paystubs or tax returns are awkward (commission-heavy, bonus-dependent).

Program highlights

  • Employer-completed WVOE as sole income doc
  • No paystubs
  • No tax returns

Typical uses

  • W-2 with complex comp structure

Program details shown are representative guidelines and subject to individual lender overlays and CFPB / agency requirements. Rates shown are illustrative and subject to change without notice. Actual rate, APR, and terms will depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify.

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