Verification of Employment (VOE)
Verification of Employment is the process by which a lender confirms a borrower's current employment status, job title, income, and length of employment directly with the employer.
VOE is a standard part of mortgage underwriting and may be conducted verbally, electronically, or through a written form. Lenders typically verify employment at the time of application and again shortly before closing to ensure nothing has changed.
A VOE is not the same as pay stubs or tax returns. It is an independent confirmation from the employer that validates the information you provided on your application. Gaps in employment, recent job changes, or pending start dates may require additional documentation. If you are self-employed, see our guide on getting a mortgage when self-employed in Louisiana.
Why This Matters: Employment verification is one of the final steps before closing. Changing jobs, reducing hours, or leaving employment during the loan process can jeopardize your approval. Keeping your employment stable through closing is critical.
Common question
When is employment verified?
Lenders typically verify at application and again shortly before closing. VOE can be done verbally, electronically, or with a written form from the employer.
Can I change jobs before closing?
A job change during the process can delay or jeopardize approval. Many programs require consistent employment. If you must change jobs, disclose it immediately and ask your loan officer how it affects your file.
Related Mortgage Terms
Worried about employment verification? We will explain exactly what lenders check and how to prepare.
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