Block 1

Full Documentation Method

Borrowers can qualify for a Non-QM mortgage using Tax returns and W2’s.


Full Doc Highlights

  • Available on all programs for any borrower; including ITIN
  • 12 month income history
  • Use current pay stubs to calculate monthly wage

Full Doc Requirements

  • Previous year’s W2 and 2 most recent consecutive paystubs or
  • Recent tax returns, SSN award letter, VOE
  • VOE may be required if:
    • Irregular income is received such as bonuses, overtime or commission
    • Borrower has been employed with current employer for less than 2 years

Want to talk to a member of our team? Call 1-800-652-3074