To obtain employment verification for a mortgage application, contact your employer directly and request a written letter or documentation confirming your current position, salary, and employment start date. Most lenders require this proof to assess your income stability. Employers typically provide a Verification of Employment (VOE) form or a signed letter on company letterhead. If self-employed, submit tax returns, business profit-and-loss statements, and a signed statement from your tax preparer. Submit the documentation to your mortgage lender, who will review it during underwriting. Electronic submission is often acceptable, but ensure the employer includes contact information for verification.

Employment verification is critical because lenders use it to confirm your ability to repay the mortgage. Stable employment and consistent income reduce default risk, which aligns with federal guidelines from Fannie Mae and Freddie Mac. According to a 2023 Urban Institute report, 18% of mortgage denials stemmed from employment-related issues, such as insufficient income documentation or job loss. Lenders also analyze employment duration; those with less than two years at their current job may face higher scrutiny. Data from the Mortgage Bankers Association (2022) shows that 65% of approved mortgages included employment verification within 30 days of application, underscoring its role in loan approval. Without proper verification, lenders may require larger down payments or higher interest rates to offset perceived risk. This process ensures compliance with regulations like the Equal Housing Act and supports fair lending practices by verifying borrower credibility.