If you’re in the final stages of getting a home loan, you may hear your lender talk about using a paystub in lieu of final VVOE. At North Star Mortgage Network, we aim to simplify the mortgage process and help you understand each step. This article explains how your recent paystub can sometimes take the place of the final verbal verification of employment—and why that matters for you.

What Is a Final VVOE?

Before your loan can close, lenders typically contact your employer directly for a final verbal verification of employment (VVOE). This confirms that you’re still employed and earning income—an essential part of loan approval.

When Can a Paystub Be Used in Lieu of Final VVOE?

In some cases, particularly for conventional loans, a recent paystub can replace that final phone call to your employer. To qualify for this option, your paystub must meet these conditions:

  • It’s dated within 15 business days of your loan closing (the “note date”)
  • It shows that you’re still actively employed
  • It reflects no major changes to your job or income

Using a paystub in lieu of final VVOE can help avoid delays—especially when employers are hard to reach.

How Using a Paystub in Lieu of Final VVOE Helps

Replacing the final verbal call with a recent paystub has real benefits:

  • Saves time when your employer is unavailable
  • Keeps closing on schedule if you’re nearing the 15-day window
  • Reduces last-minute stress by avoiding another verification step

Our team carefully reviews the paystub to make sure it meets guidelines before proceeding.

What If the Paystub Is Too Old?

If your paystub is more than 15 business days old, then we’ll still need to perform a final VVOE. If that’s not possible, we may ask for an updated paystub that falls within the required time frame.

Final Thoughts on Paystub in Lieu of Final VVOE

Using a paystub in lieu of final VVOE is just one way we help make the mortgage experience smoother and more efficient. It gives us the documentation we need without delaying your closing. At North Star Mortgage Network, our goal is always to move your loan forward with confidence, clarity, and speed.

Have questions about this part of the process? Reach out—your best interest is our principal concern.

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