Verification of Employment (VOE) (VOE)
Direct definition
A lender's confirmation of employment and income directly with the borrower's employer.
Written by the Vabasso Mortgage Editorial Team · Reviewed against agency and federal sources · Read our editorial policy for how we research and review mortgage content
Plain-English explanation
Written VOE requests document employment history and income; verbal VOEs typically confirm continued employment shortly before closing.
Why it matters
A last-minute VOE is standard — job changes right before closing can derail an approval.
Where you may see it
- Underwriting conditions
- Loan file
- Closing conditions
A real-world example
Two days before closing, the lender performs a verbal VOE and confirms you're still employed.
Educational and illustrative only
A common misunderstanding
A VOE isn't a one-time step early in the process only — many lenders re-verify employment shortly before closing to confirm nothing has changed.
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This glossary provides general educational information. Mortgage terminology, qualification methods, forms, timelines, fees, program rules, and legal meanings may vary by lender, investor, loan program, property, occupancy, state, and transaction. Definitions do not represent loan approval, legal advice, tax advice, or a commitment to lend.
- Author
- Vabasso Mortgage Editorial Team
- Reviewed by
- Vabasso Mortgage Licensed Advisory Team
- Last reviewed
- July 30, 2026