When you’re applying for a mortgage, one step that often surprises borrowers is the verbal verification of employment. At North Star Mortgage Network, we believe in educating our clients every step of the way—so let’s break this down simply.

Why Lenders Verify Your Employment

Before a loan can be finalized, your lender needs to confirm that you’re still actively working and earning income. This protects both you and the lender by making sure the information used to qualify you is still accurate. In today’s fast-paced world, job changes can happen quickly, and a verbal verification is one way we double-check stability.

What Is a Verbal Verification of Employment?

A verbal verification of employment (VOE) is when your lender contacts your employer directly—usually by phone—to confirm that:

  • You are currently employed
  • Your position and start date are accurate
  • There’s a good likelihood you’ll continue in your role

This is done near the end of the loan process, usually within 10 days of your scheduled closing.

What You Need to Know as the Borrower

You don’t need to do much—but here are a few important things to keep in mind:

1. Stay Transparent

Make sure the employment information you provide on your mortgage application is accurate. If anything changes—like switching jobs or taking a leave—tell your loan officer right away.

2. Your Employer May Be Contacted

Your HR department or manager will likely receive a quick call from your lender. It’s a short conversation—just a few questions to confirm you’re still employed.

3. No Surprises at Closing

The verbal verification of employment is often the last step before your loan is finalized. If we can’t confirm your employment, it could delay or even stop your closing. That’s why it’s so important to keep working and avoid major employment changes before closing.

What If My Employer Can’t Be Reached?

If your employer can’t be reached directly or uses a third-party service like Argyle or The Work Number, we may verify your employment through those platforms instead. In rare cases, we may request a letter from a CPA or another third-party if your employer is a small business or family-owned.

Final Thoughts

The verbal verification of employment is a simple but vital part of the home loan process. It helps us make sure we’re setting you up for success by confirming the income used to qualify you is still valid. At North Star Mortgage Network, we’re committed to making your mortgage experience as smooth, transparent, and stress-free as possible.

If you have any questions about what to expect, reach out—your best interest is our principal concern.

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