We have a mortgage that we got in Feb 2009 and we want to refinance with the new streamline program. My wife and I at the time were both working however she is now home with our new baby. All the information says that there is no verification of employment however my mortgage guy says most lenders "overlay" will verify employment and that we both have to be working to get this streamline refinance. We have a 800 credit score and perfect payment history. Does anyone have any suggestions or lenders that do not require VOE? Please let me know your suggestions, ideas, and thoughts.