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Documents Required
Employment Verify
Other
Melissa Jokes
100

We need TWO of these from the customers current employer

TWO Paystubs

100

The system the customer can link with

Plaid

100

Types of incomes we DO NOT work

Contractor/1099, Military, Business Owner

100

Where do fruits go on vacation?

Pear-is!

200

We need THESE to show direct deposits from the customers current employer

Bank Statements

200

A method we use to confirm direct deposits

3-way phone call

200

TRUE OR FALSE: We accept cash tips on a bank statement

FALSE, we do not accept cash tips since they are not documented/taxable. They must be reported on the paystub. We suggest 3PF

200

How does the moon cut his hair?

Eclipse it!

300

TRUE OR FALSE: If the customer previously cancelled a purchase and started a new purchase, we need to request most recent paystubs

TRUE

300

The final option to do EV

Manual Employment Verification

300

We accept this class of income but need additional income

Unemployment

300

What do you call a factory that makes okay products?

A satisfactory! 

400

Name three types of garnishments

401k Loan, Child Support, Bankruptcy, ERS Loan, Alimony, Tax Levy, Student Loans

400

How long are employment verifications valid for?

35 days, if completed more then 35 days we must complete a new verification

400

Indicators of a W2 employee (3 items)

  • The customer provides paystubs that are issued by a company.
  • There is a regular cadence of pay frequency.
  • There are taxes/deductions removed from the pay.
400

How do you follow Will Smith in the snow?

You follow the fresh prints!

500

Will you accept this document?

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500

What is required on a Offer Letter? (6 items)

  • Required to be the customer’s official offer letter in PDF form
  • Employer Name
  • Employee Name
  • Confirmed Start Date
  • Pay Rate/Salary/Expected Hours
  • Full-Time/Part-Time/Contract Status
500

TALK OFF: Customer doesn't budget

-trade in, higher down payment, other sources of income, 3PF, select new vehicle


500

What do you call a fish wearing a bowtie?

Sofishticated!