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Full Doc Non-QM Loans

Full Doc Non-QM Loans

If you’re a high-income earner, real estate investor, or someone with a complex financial profile, our Full Doc Non-QM Loans offer a powerful alternative to conventional mortgage options. These programs allow you to qualify using traditional income documentation—like W-2s, tax returns, and pay stubs—even if you don’t meet agency guidelines due to high debt-to-income (DTI) ratios, credit events, or non-standard property types.

Min FICO: 620 Max LTV: 90%

Why Choose Full Doc Non-QM Loans?

Our Full Doc mortgage options are designed for qualified borrowers who don’t fit traditional loan criteria but can document income thoroughly. Key advantages include:

  • Expanded DTI up to 55%, low reserve requirements, and high loan limits
  • Wage earners can use lease agreements and 2 months’ rent receipts instead of rental income on tax returns
  • Combine with our asset assistance program to strengthen income qualifications
  • Perfect for borrowers seeking alternative mortgage options with full documentation

To learn more about how we work and who we serve, visit our About Us page.

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Program Highlights

  • Loan amounts up to $4 million (higher by exception)

  • Available for purchase, rate-term refinance, or cash-out refinance

  • Property types: primary residences, second homes, investment properties

  • 1–2 year seasoning post foreclosure, short sale, or deed-in-lieu

  • Chapter 13 bankruptcies are considered using the filing date (if not dismissed)

  • FICO scores as low as 620 are accepted

  • Gift funds permitted

  • Eligible borrower types: Individuals, LLCs, Corporations

  • 1-year Full Doc option available

  • Non-occupant co-borrowers allowed

  • Up to 3 months of rolling 30-day lates accepted

Frequently Asked Questions (FAQs)

1. What does “Full Documentation” mean in a mortgage loan?

This typically includes 1–2 years of tax returns, W-2s (if applicable), pay stubs, and bank statements. These documents help verify your ability to repay the loan.

2. Who qualifies for a Full Doc Non-QM Loan?

Ideal candidates have stable income and strong documentation but don’t meet standard guidelines due to high DTI, recent credit issues, or non-traditional property types.

3. Can someone with a recent credit event still qualify?

Yes. Our Full Doc programs consider borrowers with recent bankruptcies or foreclosures, as long as income and assets are well documented.

4. How do the interest rates compare to traditional loans?

Rates may be slightly higher than conforming loans, but they remain competitive, especially for borrowers with strong credit or larger down payments.

5. Can these loans be used for investment properties or second homes?

Yes! Full Doc Non-QM loans support investment properties, vacation homes, and primary residences, giving real estate investors more flexibility.

Let's Get Started

Whether you’re self-employed, an investor, or a high-income earner with complex income streams, we can help you secure the right mortgage for your needs.

If you’re ready to explore full doc Non-QM loan options, contact us today, and a mortgage expert will walk you through the next steps.