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Full Doc and Stated Income

A Full Doc loan is generally less risky for lenders because the borrower is required to present all necessary documents for verification. This type of loan usually offers lower rates because it is less risky for the lender.

Stated Income Mortgage Loans are generally used in the reduced or no documentation suite of programs. This loan type allow those who are self employed or those who do not have documentation of earnings to state on the mortgage application. Most people can qualify for this, but they do require a very large down payment.

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