For PITI's sake: mortgage acronyms defined
VOR, VOM, VOD, VOE, and IRS Form 4506-T
When you apply for a home loan, the lender will want to verify what you said about your personal finances. While different lenders will require different levels of documentation, the process will typically involve some or all of the following forms: verification of rent, or VOR, verification of mortgage, or VOM, verification of deposit, or VOD, and verification of employment, or VOE.
Each form will allow the lender to contact a party in the position to confirm some aspect of your finances. Borrowers usually are asked to provide Internal Revenue Service Form 4506-T, which allows the lenders to see transcripts of tax returns.