Standard Vault

Every loan is more than numbers, it’s your story. We’re here to guide you with clarity, care & confidence.

Every loan is more than numbers, it’s your story.

We’re here to guide you with clarity, care & confidence.

Standard Vault Options

Conventional

FHA

VA

HELOC

VOE

Reverse

Streamlined Approvals,

No Documents

Verification of Employment

VOE loans are ideal for borrowers who don’t qualify for traditional loans, allowing you to secure financing without W-2s, pay stubs, or tax returns.

Intro to VOE Loans

At Loan Vault, we know traditional documents aren’t always easy to provide. That’s why we offer VOE loans, which use employment verification instead of W-2s or tax returns. If you’ve been denied for other loans, our team will guide you to the right solution—whether purchasing or refinancing your home. Apply or call today to see if a VOE loan is right for you.

Step Inside, We’ll Guide You

Confused about where to start?

Our Loan Guide will simplify the choices & guide you toward the solutions designed for you.

Step Inside, We’ll Guide You

Confused about where to start?

Our Loan Guide will simplify the choices & guide you toward the solutions designed for you.

What is a VOE Loan?

A VOE (Verification of Employment) loan is approved through direct employer verification instead of relying on W-2s, pay stubs, or tax returns. Ideal for salaried or wage earners, these loans are a great option for borrowers who may not qualify for conventional financing. With a typical 20% down payment, VOE loans can provide faster approval and competitive terms compared to many traditional or FHA loans.

These loans:

• Have flexible loan terms
• Can go up to $5 Million
• Accept credits scores as low as 650
• Have fast approval times, much faster than conventional and FHA loans

Is a VOE Loan Right For You?

Requirements to keep in mind when considering a VOE loan:
• Credit score over 650
• 2 years of employment with the same employer
• Employer fills out verification of employment form.
• Mortgage reserves for 6-12 months (savings to pay for 6-12 months of mortgage payments)

Reach out

949.504.8694

contact@loanvault.io

Phyllis C.

2 months ago

My first encounter was with Amir. He took the time to explain the process, rates, and the benefit of refinancing. Aisan Hashemi handled all my paperwork and the whole process was thorough and professional. I recommend Trusted Mortgage to anyone especially military families because of their knowledge with VA financing. Overall, we were happy with their Service.
J & P Combs

Jamie F.

2 months ago

Great service and communication throughout our interactions

Robert A.

3 months ago

Adam and Aisan were great to work with. I could not believe how quick and painless they made the process. These two are the only people I will deal with when it comes to refinancing. Adam beat every other interest rate out there. No one else came close. Don’t waste your time with anyone else.

Louis V.

6 months ago

Highly professional and honest. Outstanding service. They treat us veterans with A + service.