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.
