e. Income from Non-Military Employment (continued)

Verification:  Standard Documentation

Acceptable verification consists of:

·   VA Form 26-8497, Request for Verification of Employment (VOE) or any format which furnishes the same information as VA Form 26-8497, plus

·   a pay stub if the employer normally provides 1 to the applicant.

If the employer does not indicate the probability of continued employment on the VOE, the lender is not required to request anything additional on that subject.

The VOE and pay stub must be no more than 120 days old (180 days for new construction).

·   For loans closed automatically, the date of the VOE and pay stub must be within 120 days of the date the note is signed (180 days for new construction).

·   For prior approval loans, the date of the VOE and pay stub must be within 120 days of the date the application is received by VA (180 days for new construction).

The VOE must be an original.  The pay stub may be an original or a copy certified by the lender to be a true copy of the original.

Note: It is acceptable for Department of Defense civilian employees to provide computer generated pay stubs accessed through myPay (Formerly known as E/MSS - Employee Member Self Service).

Verification:  Employment Verification Services

Lenders may use VOEs supplied by an employment verification service only if VA has approved the use of VOEs from that particular provider.  VA has approved [ ] “FULL” verifications of employment through “The Work Number for Everyone,” a service of the TALX Corporation. (No pay stub is needed with the TALX verification.)