---
title: Digital Verification of Employment (DVOE)
description: Digital Verification of Employment (DVOE)
---

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# Digital Verification of Employment (DVOE)

## How does a DVOE differ from a standard 10-day pre-closing VOE?

A **Digital Verification of Employment (DVOE)** serves the same critical function as a standard 10-day VOE—confirming a borrower’s current employment status prior to closing—but utilizes **asset-based data** rather than payroll data.

Instead of logging into a payroll provider or contacting an employer, a DVOE audits the borrower’s **bank statements** to identify recurring payroll deposits.

### **Key Advantages for Lenders:**

- **Efficiency:** Automates the pre-closing check by leveraging existing asset data.
- **Reliability:** Uses verified bank transaction history to confirm consistent income flow.
- **Reduced Friction:** Eliminates the need for manual HR outreach or borrower-provided paystubs in the final days of the loan process.

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