WVOE Loans for Self-Employed Borrowers

With Tony McConnell at The Mortgage Krew, WVOE (Verification of Employment) Loans are designed for self-employed borrowers and business owners in California who want a streamlined way to qualify for a mortgage using a verbal or written verification of their income. Instead of relying on lengthy tax returns or traditional documentation, lenders can verify your employment and income directly through your business or employer.
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Qualify Through Verified Employment

With Tony McConnell at The Mortgage Krew, WVOE Loans allow lenders to confirm your income and employment status directly, either through a written statement from your accountant or a verbal confirmation from your business. This method provides a practical solution for self-employed borrowers who may have complex or fluctuating income that is difficult to fully document through tax returns. Tony McConnell at The Mortgage Krew guides borrowers through the verification process to ensure documentation is accurate, complete, and meets lender standards.
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Designed for Self-Employed and Independent Professionals

With Tony McConnell at The Mortgage Krew, WVOE Loans are ideal for business owners, consultants, freelancers, and independent contractors who need a flexible mortgage solution. This program allows self-employed borrowers to demonstrate consistent income without relying solely on traditional W-2s or tax filings. Tony McConnell at The Mortgage Krew helps ensure that your income is presented clearly to lenders, maximizing your ability to qualify for competitive mortgage rates and loan terms.
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Benefits of WVOE Loans

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Qualify with Employment Verification Use verified income rather than full tax returns to qualify.

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Ideal for Self-Employed Borrowers Perfect for business owners, freelancers, and independent contractors.

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Flexible Loan Options Available for primary residences, investment properties, and multi-unit homes.

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Faster, Streamlined Approvals Simplified documentation leads to quicker underwriting and closings.
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Flexible Loan Terms and Options

With Tony McConnell at The Mortgage Krew, WVOE Loans come with a variety of loan options, including fixed-rate and adjustable-rate mortgages, competitive interest rates, and multiple term lengths. These loans can be used for primary residences, investment properties, or multi-unit homes. The flexibility of WVOE Loans allows self-employed borrowers to select financing that aligns with both short-term affordability and long-term financial strategy, while simplifying the documentation process.
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Why Choose Us

With Tony McConnell at The Mortgage Krew, self-employed borrowers across California receive mortgage solutions built specifically around real-world income, not rigid lending formulas. Traditional lenders often struggle to properly evaluate self-employment income, which leads to unnecessary denials or delays. At The Mortgage Krew, every loan strategy is designed to reflect how entrepreneurs, business owners, and independent professionals actually earn and manage money.

We are known for

We are known for offering alternative income options, including bank statement loans, P&L loans, 1099 income, asset utilization, and WVOE programs.

With Tony McConnell at The Mortgage Krew, every mortgage is structured around the borrower’s financial reality—not generic lender templates.

Clients choose The Mortgage Krew for honest guidance, clear expectations, and consistent updates throughout the loan process.

We are known for thorough preparation, lender-aligned submissions, and smooth closings that keep transactions on track.

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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.

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"FAQs"

Yes. With Tony McConnell at The Mortgage Krew, self-employed borrowers have access to flexible loan programs such as bank statement loans, P&L loans, 1099 loans, asset utilization, and WVOE options designed specifically for non-traditional income.

Not always. With Tony McConnell at The Mortgage Krew, many programs allow qualification without tax returns, using alternative income documentation instead.

Yes. With Tony McConnell at The Mortgage Krew, zero down home loans and CalHFA FHA programs may be available for eligible California borrowers.

Yes. With Tony McConnell at The Mortgage Krew, ITIN Premier and ITIN Close Call loan programs are available for borrowers without a Social Security Number.

With Tony McConnell at The Mortgage Krew, properly prepared loans typically close within standard timelines, and proactive guidance helps avoid unnecessary delays.

Streamlined Process for Faster Approvals

With Tony McConnell at The Mortgage Krew, WVOE Loans are designed to reduce delays and simplify underwriting for self-employed borrowers. By focusing on verified employment and income rather than extensive paperwork, the approval process is faster and more predictable. Tony McConnell at The Mortgage Krew provides guidance every step of the way, helping you gather verification documents, submit your application correctly, and navigate lender requirements for a smooth and efficient loan process.