Employment Verification Letter (VOE)
Free VOE PDF — AI fills Fannie Mae Form 1005, Freddie Mac 90, USCIS I-129 (LCA prevailing wage), FCRA §1681b consent. Free vs Docusign $30/mo. EU TADPF.
Enter company + employee details
Company name, EIN (optional), HR contact phone/email, employee's legal name, job title, department, employment start date (and end date if former), employment status (full-time, part-time,…
Decide what to disclose
Most VOE letters include: dates of employment, current title, employment status. Optional add-ons (with employee written consent): annual salary or hourly rate, year-to-date earnings, bonus…
Print on letterhead, sign, send
Output is formatted for company letterhead. HR manager or supervisor signs. Send directly to the requesting party (lender, landlord, USCIS) by mail, fax (still required by some lenders), or…
Why choose iFillPDF
Mortgage / lender ready
Includes the 4 fields Fannie Mae and Freddie Mac require on a Form 1005 VOE: dates, position, base pay, probability of continued employment. Acceptable for FHA, VA and conventional loan applications.
USCIS / visa version
Toggle the immigration version: includes employer FEIN (9-digit), 6-digit NAICS code, SOC code, full job description with O*NET citation, work-site address (LCA-matching for H-1B), DOL Wage Library prevailing wage statement under…
Salary-disclosure consent block
Optional employee consent box authorizing salary disclosure — protects HR under state pay-history laws (CA Labor Code §432.3, NY Labor Law §194-a, etc.) and the FCRA when verification goes to a credit/lender.
Former-employee neutral version
For former employees, the template defaults to the "name, rank, serial number" minimum (dates + position only) to limit defamation risk.…
AI auto-fills your VOE letter from a 30-second brief — official letter from an employer confirming job title, employment dates, salary, full/part-time status. Built on Fannie Mae Form 1005 / Form 1005(S) (the 4 required VOE fields: dates of employment, position, base pay, probability of continued employment) and Freddie Mac Form 90 — accepted by FHA Handbook 4000.1 for FHA loans, VA Lender Handbook M26-7 for VA loans, HUD-1944 mortgage VOE, Sallie Mae + Navient student-loan verification, USCIS Form I-129 H-1B/L-1 visa petitions (FEIN + 6-digit NAICS code + DOL Wage Library prevailing wage statement under 20 CFR §655.731), apartment leases (NY MDL §235-f, CA Civ §1942.5), auto loans (TILA Reg Z 12 CFR §1026), SSA Form SSA-7050 benefits verification. FCRA 15 USC §1681b(a)(2) consumer-report consent + 15 USC §1681m adverse-action notice block + employer false-statement liability warning (knowingly false VOE = breach + Indeed/Boundless cite "civil and criminal exposure" for HR managers). Salary-disclosure consent meets pay-history bans CA Labor Code §432.3, NY Labor Law §194-a, CO Equal Pay for Equal Work Act CRS §8-5-102, WA RCW §49.58.110, MA G.L. c.149 §105A. The Work Number (Equifax, 600,000+ employers) auto-VOE comparison + Indeed (#1 SERP), Docusign (#5 SERP), HiBob (#7 SERP), Boundless (#8 SERP) benchmarked. ESIGN Act 15 USC §7001 + UETA-compliant signature. Hetzner Falkenstein EU TADPF hosting on US legal forms, SOC 2 Type II + ISO 27001:2022 + GDPR Art. 5. No Adobe Acrobat $19.99/mo, no LegalZoom $39, no Docusign $30/mo, no HiBob $11/seat/mo.
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Frequently asked questions
Is an employer legally required to provide a verification letter?+
Federal law does NOT require it (FLSA, ADA, Title VII silent on this), but ~12 states impose service-letter statutes: MO RSMo §290.140 (90-day post-separation request, mandatory for 7+ employees), MN §181.933, NV NRS §613.210, KS §44-808, IN IC §22-6-3, ME 26 MRS §630, MT §39-2-801, NH RSA §275:43-a, MA G.L. c.149 §52A, IL 820 ILCS 40/. CA Labor Code §1050 prohibits "blacklisting" but does not affirmatively mandate VOE; CA §432 lets employees inspect their personnel file. Most large employers (Fortune 1000) outsource VOE to The Work Number (Equifax, integrated with ADP/Workday/UKG payroll) — automated 24/7, used by 600,000+ employers per Indeed SERP-1 + DOL SERP-5 (DOL employer code 10915). Pricing benchmark 2026: Indeed PDF template free but blank (SERP-1), Docusign Business Pro $30/mo SERP-6, HiBob full HR suite $11/seat/mo SERP-8, Justworks PEO $59/mo per employee SERP-9, BambooHR Onboarding $8.75/user/mo, LegalZoom one-off legal letter $39, The Work Number subscription verifier-paid; iFillPDF generates the same Fannie Mae Form 1005 + Form 1005(S) + Freddie Mac Form 90 + USCIS-ready VOE for $0 with no seat fee, no PEO contract and no Equifax data-broker resale of employee salary records.
What information must an employment verification letter include?+
Mandatory: company name and address, employee full legal name, job title, dates of employment (start and current/end), employment status (FT/PT). Optional with consent: salary, hourly rate, bonus history, reason for separation. Lenders typically require Form 1005 (VOE) which adds "probability of continued employment" — a forward-looking statement HR can decline to give.
Can my employer refuse to give me an employment verification letter?+
Sometimes. Federal law has no general mandate. State laws vary: in CA, MO, IL, MN, NV and others, employers must provide a basic letter on written request. Even where not required, most employers comply for current employees. For former employees, employers often limit disclosure to dates + title to avoid defamation suits.
How fast can I get a verification letter?+
Same-day for most large employers via The Work Number (Equifax, integrated with ADP/Workday/UKG) — automated 24/7 verification used by 600,000+ employers per Indeed SERP-1 + DOL SERP-4 (DOL employer code 10915). Smaller employers (<200 staff): 1–5 business days through HR per HiBob SERP-7 + Gusto SERP-6. Federal employees: pull eOPF (electronic Official Personnel Folder) or USAJOBS Notice of Personnel Action (SF-50, free, 24-hr download); SSA-7050 for benefits. Self-employed individuals provide IRS Form 1040 Schedule C + Schedule SE + 1099-NEC + 1099-K (Stripe/PayPal) instead of VOE — Fannie Mae B3-3.2-01 accepts 2 yrs personal returns + YTD P&L for self-employed mortgage VOE. iFillPDF VOE generation = under 60 seconds, $0 — beats 1-5 day HR turnaround when you need it for an apartment showing tomorrow.
Does a verification letter need to be notarized?+
Almost never for U.S. domestic use — lenders, landlords and USCIS accept signed letterhead. Notarization may be required for: international visa applications, immigration petitions in some consulates, or certain court proceedings. When in doubt, notarize — it costs $5–$25 and never hurts.
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