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The lender will call your Human Resources department if there is one or will call directly to your supervisor. Some companies require lenders to talk only to HR to minimize any privacy problems. Email is also used when you provide an address for your employer or when calls don't work.
doc mortgage loan, also known as a noincome verification home loan, does not require you to provide income proof to the mortgage lender. This no doc loan is more like a reduced documentation loan rather than a no income loan.
incomeverification mortgage is a home loan that doesn't require standard income documentation (including pay stubs, W2s or tax returns) for approval. The lender allows you to use other items, such as bank statements, to show that you can repay a mortgage.
Mortgage lenders verify employment by contacting employers directly and requesting income information and related documentation. Most lenders only require verbal confirmation, but some will seek email or fax verification. Lenders can verify self-employment income by obtaining tax return transcripts from the IRS.
doc mortgage loan, also known as a noincome verification home loan, does not require you to provide income proof to the mortgage lender.