W2 Borrower? Need to Qualify? Qualify with Verification of Employment Only!
How to Qualify?

No Paystubs, No W2’s, No Tax Returns, No 4506T

Unlike the self employed loan type where the underwriter uses your business bank statements to qualify you, the new program qualifies a W2 borrower with only a VOE (verification of employment).

The great thing about this loan is that you can use it for a purchase or refinance.  Here are some factor however, to qualify:


  • Program is available down to a 650 credit score
  • Max LTV of 75% for purchase
  • Max LTV of 70% for refinance (cash out or r/t)
  • $150,000 – $5,000,000 loan amounts
  • 2 Year employment mandated at business
  • VOE fully completed for 2 year employment plus year to date by owner or officer of company
  • Verified employment at closing by telephone call or workplace cert
  • No 4506T
  • First-time homebuyers qualify:
    • 65% LTV Max OR 60% / 80% LTV/CLTV
    • $2,000,000 Max loan amount
    • Up to 50% gift funds allowed
    • 24 month rental history

Should you qualify for the above program guidelines, please contact us today to speak to a professional mortgage loan officer.

60 Seconds is all it takes

Stated Income Loans “MUST” be packaged Properly.  Find out why other homeowners are happy to work with the MySelfEmployed.com group.

You will instantly receive loan programs with today’s rates!

  • Back

Your information is always secure and will never be sold. AMSBrokers is a licensed Mortgage Banking Firm.