Full Doc Loans

Full Doc Mortgage Loans

Traditional Income Verification

Combine Full Doc With Non QM Loans

What is a Full Doc Loan?

A Full Documentation (Full Doc) Loan

is a Conforming mortgage that requires borrowers to provide standard income verification documents such as W-2s, pay stubs, and tax returns. These loans offer the lowest interest rates and best terms because they follow conventional underwriting guidelines. Some Non QM Loans allow you to combine a full doc qualification with an alternative doc qualification when there are two borrowers.


Unlike Non-QM loans

which allow alternative income verification, full doc loans rely on steady income and a strong credit history to approve borrowers. These loans are ideal for W-2 employees, retirees, and borrowers with predictable earnings.

Full Doc vs Non-QM Loans

Feature Full Doc Non-QM Loans

Income Verification

W-2s, Tax Returns, Pay 

Alternative Documentation, Bank Statements, Rental Income, P&L Only, 1099 WVOE, Assets

Best For

W-2 Employees, Retirees, Conventional Buyers

Self-Employed, Real Estate Investors, 

Max LTV

97% (Conventional), 30% (Jumbo)

85%

Min Credit Score

620

660

Can be Combined?

Yes,with Non-QM Co-Borrowers with Select Lenders

Yes, for Mixed Income Applicants

Property Types

Primary, Second Home, Investment

Investment, Short-Term Rentals, Condo, Multi Fam, Ultra Luxury Homes, Primary, Second Home

Full Doc Loan Details

Feature Full Doc Loan

Loan Type

Full Documentation

Best For

W-2 Employees, High Income Borrowers, Investors, First-Time Buyers

Max Loan Amount

$6,000,000

Max LTV

90%

Min FICO Score

660

Property Types

Single-Family, Condos, 2-4 Units, Luxury Homes

Income Verification

Full Documentation, Tax Returns, Pay Stubs, Bank Statements (For Self-Employed)

Interest Only Option

Yes

Cash Out Option?

Yes

Refinncing?

Yes

Combining Full Doc &

Non-QM Loans 

One of the biggest advantages of working with a Non-QM Loan expert is that they can combine a Full Doc loan with a Non-QM loan to create a financing solution that works for unique borrower situations.


This means:

  • One borrower can qualify with traditional W-2 income verification while the co-borrower uses bank statements, DSCR, or 1099 income.


  • Investors can use a DSCR loan for one property while using a Full Doc loan for another to maximize approvals.


  • Borrowers with mixed income sources can blend traditional and alternative documentation methods to qualify for higher loan amounts.


Benefits of Full Doc Loans

Lowest Interest Rates – Full doc loans offer the most competitive rates.


Stable Fixed-Rate Mortgage Options – Great for long-term homeownership.


Higher Loan-to-Value (LTV) Options – Up to 97% financing for first-time buyers.


Best for W-2 Employees & Retirees – Ideal for borrowers with traditional income verification.


Access to Conforming & Jumbo Loan Limits – Borrow up to $3M+ with jumbo loan programs.


Cash-Out Refinance Available – Unlock home equity for renovations or investments.


Types of Full Doc Loans

Conventional Loans – Best for W-2 Borrowers.

Low down payment options (as low as 3% for first-time buyers).

  • Fixed and adjustable-rate mortgage (ARM) options.
  • Ideal for W-2 borrowers and conventional loan seekers.


Jumbo Loans – High Loan Amounts for High-Income Earners.

  • Loans above conventional loan limits.
  • Available for primary residences, second homes, and investment properties.
  • Loan Program– Perfect for borrowers needing larger loan amounts.


Cash-Out Refinance – Convert Equity into Cash.

Tap into home equity for renovations, debt consolidation, or investments.

  • Available on primary and investment properties.
  • high LTV cash-out refinancing.


Want to connect with a licensed

Non-QM Lender?

Have Questions? Contact us Today!

Contact Us

Need a Conventional Lender?

Check Out These Other Resources

Frequently Asked Full Doc Loan Questions-FAQ
  • Can A Full Doc Loan Be Combined With A Non-Qm Loan?

    Yes! Borrowers can combine Full Doc and Non-QM loans to leverage traditional and alternative income verification methods for larger loan approvals.

  • What Credit Score Is Needed For A Full Doc Loan?

    A minimum credit score of 620 is required for most full doc loans, but higher scores qualify for better rates and higher LTV options.

  • Can I use a Full Doc loan for an investment property?

    Yes! Full Doc loans can finance primary residences, second homes, and investment properties.

  • What Is The Maximum Loan Amount For A Full Doc Loan?

    Loan limits depend on the program:

    • Conventional loans follow conforming loan limits ($766,550 in most areas, up to $1,149,825 in high-cost areas).

    • Jumbo loans can go up to $3M+ depending on lender approval.


  • Can I Do A Cash-Out Refinance With A Full Doc Loan?

    Yes! Many Full Doc loans allow cash-out refinancing up to 90% LTV, depending on borrower qualifications.

Want to connect with a licensed

Non-QM Lender?

Have Questions? Contact us Today!

Contact Us

Need a Conventional Lender?

Check Out These Other Resources

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Full Doc Loan Program Lending Options

We specialize in connecting you with a licensed non-QM loan products expert to meet your needs. Whether you're looking for a full doc loan, a Bank Statement Loan, DSCR Loan or a P&L only Loan, can help! We can connect with the right Non QM lender that can combine full doc approval with non-qm options.

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