What is a verification of employment?
A verification of employment (VOE) is the lender confirming your job and income directly with your employer, in writing and often again verbally just before closing. It's a standard underwriting step.
It's why staying at your job through closing matters. We coordinate the VOE so it doesn't catch you off guard near the finish line.
Confirming your job
A verification of employment, or VOE, is how the lender confirms you actually work where you say. We contact your employer to verify your position, income, and job status.
Lenders often run two VOEs, one early in the process and one just before closing, to make sure nothing changed.
Making it smooth
A VOE is routine, so there is nothing to fear. Just keep your job steady through closing, since a switch mid-process can trigger a fresh review.
If you are self-employed, we verify your business a bit differently, usually through tax returns and a CPA letter. Reach out and we will handle your verification quietly in the background.
Verify the details for your own situation against these government and agency sources: CFPB Owning a Home guide and HUD homebuyer resources.