If you do have someone inquire into your credit, but don’t take on any new debt, you will be required to write a letter of explanation. Verbal verification of employment: The verbal verification of employment is usually the final check the Lender will do just days prior to your scheduled closing. They will need to speak with someone at your employer to ensure you are still gainfully employed. I know you have already supplied multiple paystubs, and year’s worth of W2’s and tax returns.