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VA Loan A long term, low-or-no down payment loan that is guaranteed against loss by the Department of Veterans Affairs. It is restricted to individuals qualified by military service or other entitlements. Verification of Deposit (VOD) A document signed by the borrower’s financial institution verifying the status and balance of his/her financial accounts. Verification of Employment (VOE) A document signed by the borrower’s employer verifying his/her position and salary.