Full Documentation Load (Full Doc)

Full Documentation Loan refers to the type of loan where all aspects of the borrower(s) are verified, such as income, assets and employment. Typically most lenders will require the following:

All employment income(s) for the last 2 years:

  • Most current 2 years of consecutive 1099's or K1's for self employed borrower(s)
  • Most current 2 years of Federal tax returns with all schedules

Most recent pay stub(s) covering a 30-day consecutive period

Most recent 2 months of consecutive Bank Statement(s)

  • Checking
  • Savings
  • Money Market
  • CD's

Most current asset account(s)

  • Roth IRA
  • 401k
  • Stocks
  • Bonds
  • Mutual Funds
  • Whole Life policy

Proof additional verifiable source(s) of income

  • Part-time job
  • Social Security
  • Pension
  • Child Support
  • Alimony

Federally or State issued Identification Card:

  • Driver License
  • Sheriff's ID Card
  • Passport
  • Visa

For a list of the full documentation required for your specific transaction, click on the below links:

Full Documentation - Streamline

Full Documentation - Streamline, refers to the type of a loan where all aspects of the borrower(s) are verified, such as income, assets and employment, but half of the documentation is required for well qualified employed borrower(s).

All employment income(s) for the last year:

  • Most current 1099's or K1's for self employed borrower(s)

Most current Federal tax returns with all schedules

Most recent pay stub(s) covering a 30-day consecutive period

Most recent 2 months of consecutive Bank Statement(s)

  • Checking
  • Savings
  • Money Market
  • CD's

Most current asset account(s)

  • Roth IRA
  • 401k
  • Stocks
  • Bonds
  • Mutual Funds
  • Whole Life policy

Proof additional verifiable source(s) of income

  • Part-time job
  • Social Security
  • Pension
  • Child Support
  • Alimony

Federally or State issued Identification Card:

  • Driver License
  • Sheriff's ID Card
  • Passport
  • Visa

For a list of the full documentation required for your specific transaction, click on the below links:

Stated Income Verified Assets (SIVA)

State Income Verified Assets refers to the type of loan where only a borrower(s) assets and employment are verified. This type of documentation type is only available on a refinance loans located in a deteriorating markets. Please contact your mortgage consultant to verify availability.