A Verification of Employment is required when you are applying for a mortgage. It does not matter if it is a conventional mortgage, FHA mortgage, VA mortgage or USDA mortgage. What most buyers don't know as that this may be checked more than once during the process. It may checked before the underwriter reviews the file and again just before closing.
I like to make buyers aware of this since their assistance may be required to expedite the information. In the last 30 days I have had two closing that were almost delayed because the buyer's employer would not respond to our request for a verification.
So, my advice to you is if you are buying a home with a new mortgage, have a conversation with your Human Resources Manager at the beginning of the transaction. Set the expectation that when these requests come in, it is imperative that the verification be returned to the mortgage processor as soon as possible.
Here's to a speedy closing for you. Just remember a verification of employment will be required.
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