VOE
Also known as Verification of Employment
A lender's confirmation, directly with your employer, that you're actually employed as stated on your application.
In plain English
A VOE is a check — often conducted right before closing — where your lender contacts your employer directly to confirm your job, income, and employment status haven't changed since you applied.
Avoid changing jobs or taking unpaid leave between pre-approval and closing — a failed VOE close to your closing date can seriously delay or derail your loan.
Where you'll run into it
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