Income types

Full doc Non-QM loans.

Wage earners and self-employed borrowers who document income the standard way.
Programs and matricesGuidelines PDF(opens in a new tab)Get pricing

8 cakes take full doc.

Every cake with a published matrix for this income type, largest loan first. Open one for its limits and matrix.

What the file needs.

Paystubs and W-2s, or one or two years of personal and business tax returns. Depreciation, depletion, amortization, and documented one-time expenses may be added back.

  • Paystubs covering 30 days with year-to-date earnings, plus one or two years of W-2s, or a third-party verification such as The Work Number
  • Self-employed: one or two years of signed personal and business returns with all K-1s, and evidence of filing
  • IRS Form 4506-C
  • Maximum DTI of 50%, or as the matrix allows

From the Non-QM guidelines, version 5.0, section 5.1, 5.2, 7.2. The guidelines and matrix govern every file.

Read the guidelines (PDF, opens in a new tab)

Check a scenario.

Enter your credit score, LTV or CLTV, and loan amount to find programs to review. Confirm your exact combination in the matrix.

Income or loan type

8 programs to review

These programs meet separate published ranges. Score, LTV and loan amount limits may not apply together. Check the matrix for your exact combination, purpose and property.

13 counting their Lite and Investor versions

  • Coffee Cakealso Lite680+ · 80% LTV · $2.5MView matrices
  • Cup Cakealso Investor620+ · 90% LTV · $4MView matrices
  • Velvet Cake660+ · 90% LTV · $3.5MOpen matrix PDF
  • Bundt Cakealso Investor620+ · 90% LTV · $3MView matrices
  • Sponge Cakealso Lite620+ · 90% LTV · $3MView matrices
  • Funnel Cakealso Lite660+ · 90% LTV · $3MView matrices
  • Pound Cake Lite660+ · 90% LTV · $3MOpen matrix PDF
  • Cheese Cake660+ · 85% LTV · $3MOpen matrix PDF
Price it with an AEFull doc: every cake

Confirm eligibility with the matrix and guidelines before quoting or submitting a file.

Other ways to document income

Have one of these files?

Talk it through with an account executive at (833) 717-0401 before you submit, or apply to become a partner and submit in TPO Connect.

Become a partner(833) 717-0401

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