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One of the reasons getting a mortgage can sometimes be frustrating is because there’s a lot of work that goes on behind the scenes. Most of that work is done by an underwriter who reviews and verifies the mounds of information you have to supply your lender with in order to get a loan.

This process of underwriting is complicated because the underwriter has to follow the guidelines of the specific mortgage company, the state, the federal government and the specific investor who is guaranteeing the loan (Fannie Mae, Freddie Mac, the Department of Veterans Affairs, etc.).

What Is Verification of Employment?

One step in the underwriting process is the verification of employment (VOE). The mortgage lender needs to make sure you are and have been employed to ensure they’re taking into consideration all of your income sources.

This process varies from lender to lender. Here at Quicken Loans, we usually verify your employment with your employer either over the phone or through a written request. About 10 days before your scheduled closing, it’s not uncommon to re-verify your employment. This is done to make sure nothing has changed with your employment status.

Why Do I Need a Verification of Employment?

This double verification often confuses clients because it seems like redundant work that is slowing down their loan process. But we’re checking your employment early on to make sure you qualify for a loan before you’ve invested a lot of time in the process. We then recertify your employment right before closing to make sure nothing’s changed.

We’re required to recheck your employment because a change in jobs can affect your ability to make your monthly mortgage payment. This is why we always encourage clients to avoid changing jobs or doing things like getting a new credit card or auto loan while applying for a mortgage.

How Do You Verify Employment?

Another reason we’ve found clients get frustrated with the VOE process is because it’s not always as simple as calling the employer and checking a box. To meet government and investor regulations, we have to call your employer on a phone number that is verified by a third party, such as Google.

For example, when you give us the number to your employer, we’ll Google it, and if it shows up as connected to the company, we can then call that number and talk to your employer. The reason for this is to prevent fraud – such as when someone gives us the number of a friend or relative who pretends to be an employer.

This third-party verification requirement can present difficulties when we’re working with clients employed by small companies that may not have a website or nonprofits.

Involving the client in the verification process is a conflict of interest. We always have to be able to independently verify the number and then talk to an employer. We also have to verify the employment without any involvement from the client. We can’t call your work number, for example, and have you hand the phone to your boss.

The complexities of verifying employment are why a client will sometimes be told, “We’re working on your verification of employment.” It’s just not always as simple as calling a phone number and being done with it.

Hopefully this article has clarified the VOE process for you, and as always, let us know what questions you have in the comments below.

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This Post Has 18 Comments

  1. Kevin,

    I am a 100% disabled veteran. In 2018 I sustained an injury, which disallowed me to function, including paying my bills. I have four charge-offs on my report due to that. Credit cards used to pay some bills while I was out of work. I’ve since contacted each company and worked out a deal. However, i need the equity from my house to pay it off. The note to the house is in my wife’s name, but I’d like to utilize my VA loan. First, will Quicken work with me to get this VA loan and second, should I buy the house from my wife or simply refi it? My three bureaus with vantage 3 scoring is 655, 688, and 644. Thanks

    1. Hi Steve:

      Thank you for your service!

      There are a couple of issues for you to think through here. The note to the house is separate from the title. So if you’re on the title, you can just refi. If you’re not on the title, your wife should be able to add you to the title as long as you also have her on the VA loan along with you. It doesn’t require an actual sale transaction. As far as the charge-offs, what you qualify for will depend on the particulars of the VA loan. I recommend you speak with one of our Home Loan Experts at (888) 980-6716 to go over your options. Have a good day!

  2. I have worked with the same company from 2001-2017 in Aug. 2017 I stopped working to see my 3 kids thru high school and begin college and to be there for my husband. As soon as I achieved that goal I immediattly went back to work doing the same thing I’ve always done ,secretary, and went thru a divorce. So basically I stopped working in 2017 and returned in 2019. Been at the same job now for 6mths I actually have 2 jobs is this gonna be a problem for me getting a loan. Thanks hope not I’ve been working really hard to build my credit lately and ive never defaulted on any loans never been even late for payment just been awhile since I’ve done any financing.

    1. Hi Angela:

      Typically, mortgage lenders like to see a year or two of job history, but that doesn’t mean that we won’t be able to work with you. I recommend speaking with one of our Home Loan Experts at (888) 980-6716.

  3. Hi Kevin, I’ve provided paystubs and a phone number for my small company, as well as a web site with a contact form, and Quicken Loans is STILL having issues verifying my employment. There are no phone numbers listed online because they are personal numbers. Does this mean I can’t get a loan with you guys?

    1. Hi Kim:

      I’m sorry you’ve had this experience. I’m going to get this to our Client Relations team and see if there’s a way we can help you move forward. Thank you for reaching out!

  4. I am currently going through this whole confusing process of buying a house with my husband. I have been at my job for 3 years but only get paid cash. They place I am going through won’t use my income because I have no check stub. And also will not let me get a letter from my work verifying my employment. Also. They do not like the fact that I have made cash deposits to my account. So what do I do?

    1. Hi Jessica:

      Tax returns might help, but really the best thing to do is to make sure you get a regular check with the taxes taken out and everything. Cash is untraceable so you’ll have a hard time getting along that way. They want to make sure that the money you getting is coming from legitimate sources and that you have a likelihood of continued employment. They can’t really see a history of payment if you’re just making cash deposits. I know that’s not the answer you’re looking for, but it’s what you may have to do. I hope this helps!

  5. Hello , My name is Angel, I am trying to buy a home for me , family, My son. PLEASE CALL ME ASAP. ***********. Thank you very much..

    1. Hi Angel:

      This is a public forum, so I’ve gone ahead and removed your phone number. We would be happy to help you look into your options. If you want, you can get started online with Rocket Mortgage. One of our Home Loan Experts would also be happy to take your call at (888) 980-6716. Have a good day!

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