Full Documentation
Full Doc
Best for: Traditional Income Review
| Best For | Traditional Income Review |
| Max Loan Amount | $5,000,000 |
| Min Loan Amount | $150,000 |
| Min FICO | 680 |
| Max LTV | 90% |
| Max DTI | 50% (45% FTHB) |
| Short-Term Rental | Y |
| Interest Only | Y |
| Fixed Rate | Y |
| Adjustable Rate | Y |
| Subordinate Financing | N |
| Occupancy | Primary 2nd Home Investment |
| Property Types (1 ADU permitted for SFR) | SFR / PUD 2–4 Unit Warrantable Condo Non-Warrantable Condo Condotel Co-Op Modular |
| Transaction Types | Purchase Rate-Term Refi Cash-Out Refi |
Full Documentation Non-QM Loans
AMS's Full Documentation program brings traditional income verification into a Non-QM framework — offering the documentation familiarity of conventional lending with the flexibility and expanded guidelines that define the Non-QM market. For borrowers with clean, verifiable income who simply don't fit agency boxes due to loan size, property type, or other factors, Full Doc with AMS is the natural solution.
This is also an effective program for brokers whose clients have documentable income but need access to Non-QM property types, higher loan amounts, or more flexible underwriting than Fannie Mae or Freddie Mac allow.
Income Documentation
Standard full documentation applies: W2s, tax returns, and/or business returns depending on employment type. AMS's underwriting team reviews income using standard calculation methodologies, with the added benefit of Non-QM flexibility for factors like employment gaps, self-employment history, and property types.
Who This Program Is For
The Full Doc program is ideal for:
• W2 employees and salaried borrowers seeking jumbo or non-agency loan amounts
• Borrowers purchasing Non-Warrantable Condos or Condotels that don't qualify for agency financing
• Clients with verifiable income who need the flexibility of Non-QM property guidelines
• Borrowers across all occupancy types — primary, second home, and investment
Key Program Highlights
Traditional income documentation with Non-QM flexibility. Available across all occupancy types. Access to Non-QM property types including Non-Warrantable Condos and Condotels. DTI up to 50%. Interest-only and ARM options available. Loans available up to $5,000,000.
Eligible Property Types
SFR, PUD, 2–4 unit properties, Warrantable Condos, Non-Warrantable Condos, and Condotels.
Additional guidelines and overlays may apply. Contact your AMS Account Executive for complete program details