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Finish the VVOEs databases can’t—before they delay closing.

AI agents reach employers by phone, email, and fax—then return the recording, transcript, and result.

Sample VVOE result
Pre-closing employment verification
Completed
Verification summary
EmployerConfirmed directly
Employment statusActive
ContactHR representative
Evidence attached
Call recording, searchable transcript, timestamps, contact details, and outreach history.
Audit history
09:12
Phone outreach started
09:18
Employer contact reached
09:23
Result and transcript saved
Illustrative sample showing the evidence fields returned for lender review.
200,000+
verifications processed company-wide
24/7
automated outreach
3 channels
phone, email, and fax
Per result
pay for completed verifications

Trusted across hiring, lending, and leasing

  • Verified First
  • Mitratech
  • Cisive
  • InfoMart
  • Veremark
  • eLEND
  • AB Global
  • aINSIGHT
  • PRMG
  • Payscore

The VVOE is simple. Reaching the employer isn’t.

Superunit handles the phone trees, callbacks, emails, and faxes—then returns the recording, transcript, timestamps, and result.

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Multi-channel outreach— by phone, email, and fax

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Persistent follow-up— every attempt tracked until the employer responds

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No queue delays— always on and acting immediately

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Investor-reviewable PDF— includes the employer-contact reverse lookup, timestamps, outreach history, and the result fields needed for the e-folder

GSE VVOE Checklist
Verbal contact with employer confirmed
Employment status confirmed active
Call recording preserved
Transcript & summary generated
Completed within deadline
Returned as reviewable evidence for your loan workflow

Submit the request. We run the outreach.

1

Submit the VVOE request

Send the borrower, employer, timing, and known contact details through your configured Superunit workflow.

2

Agents start employer outreach

Superunit researches the right contact and works across phone, email, and fax instead of leaving the request in a manual queue.

3

Employment is confirmed

The agent navigates the phone tree, reaches an employer representative, and captures the employment information your workflow requests.

4

Evidence is preserved

The recording, transcript, contact details, timestamps, attempts, and structured result are kept together for review.

5

Your team receives the result

The completed verification and supporting evidence return to the configured workflow for lender review and loan-file documentation.

200,000+
verifications processed across Superunit workflows
See the workflow

Review an automated VVOE from outreach to result.

See how calls, transcripts, contact details, timestamps, and outreach outcomes are returned for lender review.

See automated VVOE in action →

Evidence your team can review

Every completed VVOE returns the result and the outreach record behind it.

Full call recording

The completed phone verification includes the recording for customer review.

Automatic transcription

Calls are transcribed and returned with the result so teams can review the conversation without listening end to end.

Structured result

Employer, employment information, contact details, and who confirmed — organized for lender review.

Timestamped outreach history

Attempts, contacts, and outcomes are kept in one timeline with the completed result.

Workflow-ready delivery

Completed results and supporting evidence return through the workflow configured for your team.

Reviewable documentation

Recordings, transcripts, timestamps, contact details, and outreach outcomes stay together for customer review.

Mortgage VVOE questions, answered

What is verbal verification of employment for a mortgage?

Verbal verification of employment is a pre-closing check that confirms a borrower’s current employment directly with the employer. It helps the lender determine whether the employment used to qualify the borrower is still active shortly before the loan closes.

When is VVOE completed before closing?

Timing depends on the loan and current investor guidance. Fannie Mae guidance generally calls for verbal verification within 10 business days before the note date for employment income, while Freddie Mac describes a 10-day pre-closing verification. Lenders should apply their own policy and the current guide requirements for each loan.

What information does a mortgage VVOE confirm?

The requested fields depend on the lender’s workflow. A completed result can include the employer, current employment status, the employer representative who confirmed it, contact details, timestamps, and the outreach outcome, together with the recording and transcript when the verification is completed by phone.

What happens when the employer is hard to reach?

Superunit continues structured outreach across phone, email, and fax, records each attempt, researches alternate employer contacts, and keeps the latest outcome visible. Your team can review both the completed result and the documented attempt history.

How does Superunit return VVOE evidence to the lender?

Superunit returns the structured result with the supporting evidence available to the configured customer workflow: recordings, transcripts, contact details, timestamps, and outreach history. Delivery is configured around the lender’s operating process rather than requiring processors to reconstruct the verification manually.

How does Superunit align with Fannie Mae and Freddie Mac guidance?

Superunit supports direct employer outreach and preserves the evidence produced by that workflow. Because requirements and permitted alternatives vary by loan and change over time, lenders remain responsible for applying current Fannie Mae, Freddie Mac, investor, and internal requirements to each file.

See automated mortgage VVOE in action

Walk through employer outreach, the completed result, and the evidence returned for lender review.