What Is It?
A verification of mortgage (VOM) is an official statement that verifies your existing loan terms and provides a rating of the payment history, including if the loan was current or delinquent for each month listed. It reflects only the most recent 12 months of your loan, excluding the current month.
Note: This information is not reported to any credit agencies and does not reflect information regarding any workout options, such as forbearance plans, repayment plans, payment deferrals, modifications, etc.
- For additional information regarding any workout options, please refer to those plan letters and/or agreements.
Why Request a VOM?
If you are trying to refinance your mortgage—or buy a new home—your lender will want to see your mortgage payment history.
How Do I Request a VOM?
Ensure that you’ve authorized the third party needing the VOM.
See AlsoAbout Us | Guild MortgageNote: If you haven’t authorized them online or over the phone, download, complete, and sign the form to send with your VOM request.
Create a written or typed note requesting a VOM.
Note: Please provide the mailing address you want the VOM sent to (VOMs cannot be faxed).
Submit via:
- Email: [email protected]
- Mail:
Mr. Cooper
Attn: Research Department
PO Box 612488
Dallas, TX 75261
Please allow up to 4 business days from receipt of your request for us to generate your VOM statement.
