FastTrax FHA, VOE only

FHA for the borrower whose tax returns don't tell the story.

A standard, insured FHA 203(b) loan qualified with a third-party Verification of Employment. No W-2s and no tax returns. Built for W-2 employees and 1099 earners: realtors, independent contractors, insurance agents, and commission sales.

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The pitch in one line

Your 1099 borrower can't qualify FHA the usual way, and non-QM caps them at 90% LTV. FastTrax brings them back to FHA with the minimum down payment, so the payment stays affordable.

Who it's for

Borrowers who earn it but can't prove it on paper

Great fits

Realtors paid on a 1099 by their brokerage, including agents who run it through their own LLC
Independent contractors paid on a 1099 by the company they work for
Insurance agents and other commission sales
W-2 employees paid tips, bonus, commission, or overtime
Recent promotions, where last year's return shows less than they earn now
Borrowers on a tax extension whose lender won't count their income yet

Not a fit

Bank-statement or P&L income
Business owners with no company to complete the VOE (look at EEP instead)
ITIN borrowers (look at EEP instead)
203(k) rehab loans, or pairing with down payment assistance
Second homes or investment property

Program facts

The details

	FastTrax FHA (VOE Only)
Loan type	Standard FHA 203(b), AUS Approve/Eligible
Income	Third-party VOE completed by the employer or the company paying the 1099
Minimum credit	620
Down payment	FHA minimum 3.5%, 100% gift allowed
Seller concessions	Up to 6%
Max DTI	45%
Loan purpose	Purchase, rate and term refinance, cash-out to 80% LTV
Property	Primary residence: SFR or duplex, FHA-approved condo, double-wide manufactured

Program terms, conditions, and eligibility are subject to change. All loans are subject to underwriting approval.

Have a file that fits?

Send the scenario. You'll get a straight yes, no, or what it would take.

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