Verification of Employment Form
A free, printable verification of employment (VOE) request for lenders, plus a verification of deposit (VOD) form for banks. Fill in the request online, print it, and send it for the employer or bank to complete. No sign-up.
Sent by a lender to the borrower’s employer to confirm job, dates, and pay. Fill in Part I; the employer completes Part II.
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Request for Verification of Employment
Please complete Part II and return this form directly to the requester below. Do not return it to the applicant.
Part I: Request (completed by the lender)
To (employer)
From (lender)
Date: September 29, 2026
Loan or reference no.:
Employee:
Employee ID (optional):
I have applied for a loan and authorize the employer named above to release the information requested in Part II to the lender named above.
Part II: Employment (completed by the employer)
Status: ☐ Full-time ☐ Part-time ☐ Seasonal / contract
Per: ☐ Hour ☐ Week ☐ 2 weeks ☐ Month ☐ Year
Earnings
| Year to date | Last year | Two years ago | |
|---|---|---|---|
| Base pay | $ | $ | $ |
| Overtime | $ | $ | $ |
| Commissions | $ | $ | $ |
| Bonus | $ | $ | $ |
| Total | $ | $ | $ |
Is overtime or bonus likely to continue? ☐ Yes ☐ No ☐ N/A
Form template from incomechecker.com/verification-of-employment-form. Not an official government or agency form.
Waiting days on a verification form?
Have the applicant connect their bank read-only instead, and see estimated income, deposit history, and balances in minutes. Reports as low as $5 each.
See bank-based verification for lendersHow a written VOE works
- The lender fills in Part I: who it's going to, who it comes back to, and the applicant's name.
- The applicant signs the authorization so the employer can release the information.
- The lender sends the form directly to the employer's HR or payroll department.
- The employer completes Part II, signs it, and returns it directly to the lender.
What the employer confirms
- Hire date, current position, and whether the job is full-time, part-time, or seasonal
- Base pay and how often it's paid, plus average weekly hours for hourly workers
- Year-to-date and prior two years of base pay, overtime, commissions, and bonus
- Whether overtime or bonus income is likely to continue
VOE vs. employment verification letter
A VOE form is a structured request the lender controls, with fields the employer fills in and returns directly. An employment verification letter is written by the employer, often at the employee's request, and usually covers less detail. Landlords often accept a letter; mortgage lenders usually want the form or an automated verification.
When there's no employer to ask
Self-employed, gig, and 1099 applicants can't get a VOE. Lenders typically look at tax returns and bank deposits instead. The monthly income calculator averages variable income, and a bank-connected income report shows estimated monthly income from real deposits. For down payment funds, see the proof of funds letter and gift letter generators.
Frequently asked questions
What is a verification of employment form?
A verification of employment (VOE) form is a request a lender sends to a loan applicant’s employer. The employer fills in the applicant’s hire date, position, pay, and recent earnings, signs it, and returns it directly to the lender. Mortgage lenders commonly use a written VOE along with pay stubs and W-2s.
Who fills out a verification of employment form?
The lender fills in Part I, the applicant signs the authorization, and the employer’s HR or payroll department completes and signs Part II. The employer should send it straight back to the lender, not to the applicant, so the information can be relied on.
What is a verification of deposit form?
A verification of deposit (VOD) form asks a bank to confirm an applicant’s accounts, current balances, and average balances over the last two months. Lenders use it to confirm funds for the down payment and closing costs, often instead of or alongside bank statements.
Is this the same as Fannie Mae Form 1005 or 1006?
No. Forms 1005 (employment) and 1006 (deposit) are Fannie Mae’s standard forms. This template asks for the same kind of information, but some lenders and loan programs require the official form, so check before you send it.
Is there a faster alternative to a written VOE or VOD?
Yes. Many employers use automated verification services, and a bank-connected report lets the applicant share income, deposit history, and balances straight from their bank in minutes instead of waiting on an employer or branch to return a form.
This is a general template, not an official agency form. Some lenders and loan programs require their own forms.