Full Doc Home Loans for W-2 and Full Documentation Borrowers
Full doc home loans use traditional income documentation such as W-2s, pay stubs, and tax returns, giving brokers a clear path for borrowers whose income is verifiable but who still need a lender that moves fast and handles the file with consistency.
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Standard Doc
About program
Standard Doc program, also knows as a Full Doc loan, follows conventional income verification guidelines. Borrowers demonstrate their ability to repay by providing standard documentation such as W-2 forms, pay stubs, and 1-2 years of tax returns. This program is often ideal for borrowers with a stable employment history and verifiable income who seek competitive rates and straight forward underwriting.
Key features
- No tradeline requirement w/ 3 credit scores
- Non-perm up to 90% LTV
- DTI up to 55%
- Unlimited cash-in-hand
- Cash-out used for reserves
- SFR, condotels, condos, studios, 2-4
- Loan amounts up to $4m
- Loan amounts up to $5m for preferred brokers
Required to Disclose
Credit report
(cannot be older than 60 days) - must be merged into the LOS.
Borrowers' ID
(passport or driver's license).
Purchase contract
(if applicable)
Complete loan application
(including income & employment)
Submission form completed
Most recent W2 for 1 or 2 years + most recent paystubs covering at least 30 days AND/OR 1 or 2 years of tax returns.
Required to Underwrite
(in addition to above)
Credit report
(cannot be older than 60 days) - must be merged into the LOS.
Borrowers' ID
(passport or driver's license).
Purchase contract
(if applicable)
Complete loan application
(including income & employment)
Submission form completed
Most recent W2 for 1 or 2 years + most recent paystubs covering at least 30 days AND/OR 1 or 2 years of tax returns.
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