Standard Doc Loans for W-2 and Full Documentation Borrowers
Traditional qualification based on W-2s, pay stubs, and tax returns.
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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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FAQ
Can a borrower still qualify for a Standard Doc mortgage if they have a gap in employment?
Yes. Borrowers may still qualify even with an employment gap. Underwriters review the reason for the gap, the borrower’s long-term job history, and their stability before and after the break. Employment gaps under six months are typically acceptable as long as the borrower has returned to stable work.
Do borrowers need to pay off debts in order to qualify for a Standard Doc loan?
Not always, but paying off or reducing certain debts can help lower the borrower’s debt-to-income (DTI) ratio, which may improve their ability to qualify for a higher loan amount. Mortgage brokers often use targeted debt-reduction strategies to help buyers meet Standard Doc underwriting requirements.
Can gift funds be used for the down payment, closing costs, or reserves?
Yes. Gift funds are permitted for up to 100% of the down payment, closing costs, and required reserves. This gives borrowers more flexibility and allows mortgage brokers to structure deals for buyers who have strong income but limited personal savings.
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