Simplified Home Financing Through Employment Verification

VOE (Verification of Employment) Only Loans provide an innovative lending solution for borrowers who have strong, verifiable employment but limited or complex documentation. This program focuses on confirming your job stability rather than requiring extensive financial records, tax returns, or income statements. It’s an ideal option for those whose income may not fit traditional guidelines but who maintain consistent employment and earning potential.
Contact Us

Perfect for W-2 Employees with Limited Documentation

Many borrowers with steady jobs find it challenging to meet all the document-heavy requirements of standard loans. VOE Only Loans eliminate this burden by allowing applicants to qualify based primarily on their employment verification from an employer. This streamlined process saves time, reduces stress, and makes approval faster and more efficient. At Joseph Gillis, we work directly with your employer to confirm the necessary details, ensuring a smooth and respectful process. Our team values your time and focuses on what truly matters — your ability to maintain stable employment and responsibly manage your loan.
Explore More

Streamlined Approval and Faster Closings

By simplifying qualification requirements, VOE Only Loans often lead to quicker approvals and closings compared to conventional mortgage programs. Since the process relies on employment verification rather than extensive financial documentation, it eliminates unnecessary delays caused by missing paperwork or income analysis. At Joseph Gillis, we use this efficient approach to help you secure your new home with ease. Our loan specialists ensure that every detail is handled carefully, keeping you informed from application to closing day, so your experience remains transparent and stress-free.
Explore More

Benefits of VOE Only Loans

_______

Simplified qualification based on verified employment

_______

Faster approvals and closings than traditional loans

_______

Ideal for W-2 employees or those with limited paperwork

_______

Personalized support for a smooth, transparent process
get personalized Loan options

Flexible Options for a Variety of Borrowers

VOE Only Loans serve a wide range of borrowers — from full-time employees to those transitioning between job roles or industries. The program focuses on current employment stability, allowing more flexibility than traditional underwriting standards. Whether you’re buying your first home or refinancing, this option offers the freedom to qualify with confidence. At Joseph Gillis, we tailor loan options around your employment situation, not against it. Our mission is to help responsible borrowers access affordable financing without the unnecessary barriers of complex documentation.
Explore More

Why Choose Us

At Joseph Gillis, we believe that securing a home loan should be more than a transaction — it should be a personalized experience built on trust, transparency, and care. Our team is dedicated to guiding you through every step of your homeownership journey with clear communication, expert advice, and tailored solutions designed around your goals. Whether you’re buying your first home, refinancing, or investing, we make the process seamless, stress-free, and centered on your success.

We are known for

Personalized Lending Solutions – Every client’s financial journey is unique, and we tailor loan programs to match your exact needs, goals, and lifestyle.

Transparent and Honest Guidance – We believe in complete clarity throughout the mortgage process, ensuring you understand every option and decision with confidence.

Fast and Efficient Closings – Our streamlined process and dedicated team help you move from application to approval quickly and smoothly.

Expertise Across All Loan Types – From Conventional and FHA to DSCR, Non-QM, and Foreign National Loans, we provide expertise across every mortgage solution.

talk to a loan specialist

Why Choose Rapid Closing?

Choosing the right mortgage partner can make all the difference in your homeownership journey. At Rapid Closing, we combine speed, expertise, and personalized care to deliver financing solutions that are tailored to your goals. Whether you’re a first-time home buyer, refinancing, or exploring specialized programs, our team is dedicated to making the process smooth, transparent, and stress-free. With Rapid Closing, you’re not just getting a loan—you’re gaining a trusted partner who stands by you every step of the way.

We are known for

Fast & Reliable Closings – Streamlined processes that save you time and stress.

Wide Range of Loan Programs – From FHA and VA to DSCR, Jumbo, and USDA loans.

Personalized Guidance – Clear, step-by-step support with dedicated loan specialists.

Flexible Solutions – Options designed for first-time buyers, investors, and unique situations.

talk to a loan specialist

"FAQs"

A VOE (Verification of Employment) Only Loan is a mortgage program that allows borrowers to qualify based solely on employment verification instead of traditional income documents like tax returns or pay stubs. It’s designed for individuals with stable jobs who may have complex financial situations or prefer a simplified approval process.

At Joseph Gillis, we provide a wide range of mortgage programs to fit different financial needs and lifestyles. Our loan options include FHA, VA, Conventional, Jumbo, DSCR, Non-QM, Bank Statement, Hard Money, Home Equity, VOE Only, Foreign National, First-Time Home Buyer, and Refinance loans. Each program is designed to help clients achieve their homeownership or investment goals with confidence.

Our team takes a personalized approach to every client. We evaluate your financial situation, long-term goals, and property type to recommend the most suitable loan option. Whether you’re self-employed, a veteran, a first-time buyer, or an investor, Joseph Gillis provides tailored mortgage solutions that work best for your circumstances.

What sets us apart is our commitment to honesty, transparency, and results. We combine modern lending solutions with personalized guidance to make the mortgage process simple, fast, and stress-free. At Joseph Gillis, you’re not just another loan file — you’re a valued client, and we’re dedicated to finding the perfect financing fit for your goals.

Yes, absolutely. We specialize in helping clients with various income situations — including self-employed individuals, investors, and foreign nationals. Through programs like Bank Statement Loans, VOE Only Loans, and Non-QM Loans, Joseph Gillis ensures that even those with non-traditional income can access the financing they deserve.

Designed for Simplicity and Trust

The VOE Only Loan program is built on one core idea — trust in verifiable employment. By focusing on your professional record, it allows lenders to see the full picture of your financial capability without overcomplicating the process. This straightforward structure empowers more borrowers to take advantage of homeownership opportunities with clarity and confidence. Joseph Gillis is proud to support this modern, inclusive approach to lending. We believe that employment stability should open doors, not close them — and VOE Only Loans make that vision possible.