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Employment Verification Form for Mortgage

Streamline the Employment Verification Process for Loan Approval

Securing a mortgage can be daunting, especially when proving your employment. This Employment Verification Form for Mortgage forms the backbone of the verification process, helping you and employers provide clear proof of employment to lenders. With this template, you can easily capture necessary details like job title, income, and employment duration-essential for speeding up your mortgage application, reducing delays, and ensuring a smooth transaction. Plus, it's designed with WCAG-aligned labels for accessibility. Explore our live template to simplify your verification process.

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Applicant full name
Applicant email
Applicant phone
Lender company
Loan/application reference number
Authorization date
Applicant typed signature (type full legal name)
I authorize the lender and the employer named in this form to share employment and income information for mortgage underwriting.
Yes
No
Employer legal business name
Employer phone
Employer address
Employee job title/position
Employment type
Full-time
Part-time
Seasonal
Temporary
Per diem
Contractor
Internship
Prefer not to say
Other
Please Specify:
Employment start date
Employment end date (if applicable)
Is employment currently active?
Yes
No
Primary pay basis
Hourly
Salary
Commission
Bonus
Tips
Piece rate
Unknown
Other
Please Specify:
Base pay amount (enter gross amount)
Hourly rate (if paid hourly)
Average hours per week
Year-to-date gross earnings
Pay frequency
Weekly
Biweekly (every 2 weeks)
Semimonthly (twice a month)
Monthly
Unknown
Other
Please Specify:
The employment and income information provided on this form is accurate to the best of my knowledge.
Yes
No
Partially
Unable to verify
Verification date
Verifier name and title
Verifier email
Verifier typed signature
Employment is expected to continue for the next 12 months
Yes
No
Unknown
Not applicable
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Paper art illustration depicting an employment verification form for a mortgage template with a creative design.

When to use this form

Use this form when a lender needs proof of a borrower's job and income before pre-approval, underwriting, or closing. It helps loan officers confirm who employs the applicant, how long they have worked, and how much they earn, including bonuses or overtime. HR teams can respond fast with standard fields, while brokers and borrowers get a clear paper trail. It is ideal for first-time purchases, refinances, job changes, or recent pay adjustments. If your process also requires identity confirmation for the signer, add a short step with the Signature verification form. For lenders that vet risk more deeply, pair it with a Background verification declaration form to document any disclosures.

Must Ask Employment Verification Form for Mortgage Questions

  1. What is the employer's legal name, full address, and a direct HR contact (name, title, phone, and email)?

    This confirms the source and speeds follow-up, reducing back-and-forth that delays underwriting. You can cross-check these details with the Application verification form to ensure the borrower reported the same information.

  2. What are the employee's current employment status, start date, and end date if applicable?

    Tenure and current status help you assess stability and detect recent changes that may affect repayment. Clear dates also prevent confusion when multiple jobs or gaps appear on the file.

  3. What is the employee's position and work schedule, and is the role temporary, seasonal, or probationary?

    Job type and schedule signal reliability of future income. Probationary or seasonal roles may require extra scrutiny or compensating factors.

  4. What is the gross base pay and pay frequency, and list average hours plus overtime, bonuses, and commissions for the last 24 months?

    Underwriters rely on base pay and typically average variable income over time. If hours or earnings dropped due to injury or leave, a Wage loss verification form can explain reductions.

  5. Can an authorized representative certify the accuracy, provide their name and title, and sign and date this verification?

    Certification from a responsible HR contact establishes accountability and reduces fraud risk. A dated signature also anchors the verification to a point in time for your audit trail.

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