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hello everyone this video is about how to properly fill out a request for verification of employment that you most likely just received from a mortgage lender alright lets start at the top here you see request for verification of employment or v/o II you hear me reference the VOE other people will also do the same just know that were referencing this document alright one of the main things about a mortgage and underwriting is that we look for fraud so youre gonna see here the form is to be transmitted directly to the lender and its not to transmit it through the applicant or any other party I docHub that this verification has been sent directly to the employer and has not passed through the hands of the applicant or any other interested party so that is straightforward we want to make sure that you as the employer or HR department have received this via fax email secure link some way other than delivered by an individual especially not the borrower but it should not come from any