Open Doors for Your Clients with a Traditional Full Doc Loan
ARDRI’s Traditional Full Doc Loan Program is your solution for borrowers with income to support a conventional loan but do not meet traditional mortgage qualifications. Whether wage earners or self-employed professionals, this program bridges the gap for individuals outside conventional lending parameters.
Open Doors for Your Clients with a Traditional Full Doc Loan
ARDRI’s Traditional Full Doc Loan Program is your solution for borrowers with income to support a conventional loan but do not meet traditional mortgage qualifications. Whether wage earners or self-employed professionals, this program bridges the gap for individuals outside conventional lending parameters.
Open Doors for Your
Clients with a
Traditional Full
Doc Loan
ARDRI’s Traditional Full Doc Loan Program is your solution for borrowers with income to support a conventional loan but do not meet traditional mortgage qualifications. Whether wage earners or self-employed professionals, this program bridges the gap for individuals outside conventional lending parameters.
Ideal Borrowers
A borrower like Felix, a hardworking sales manager, has a steady income and a strong credit profile. However, his Debt-to-Income ratio was slightly higher than what traditional lenders allowed. With ARDRI’s Traditional Full Documentation Program, we could qualify Felix with a DTI of up to 55%. Access the benefits of Non-QM flexibility while leveraging traditional documentation to qualify your borrowers.
The Traditional Full Doc Loan Program is an excellent solution for:
- Wage Earners:
- Have stable employment and documented income via W-2s and paystubs.
- Are unable to meet the stringent requirements of conventional loans due to credit history or other non-financial factors.
- Self-Employed Individuals:
- Earn substantial income but find it challenging to qualify through conventional channels.
- Can verify their income using personal tax returns and/or profit and loss statements.
- Clients with Unique Situations:
- Those transitioning from traditional employment to self-employment.
- Borrowers with recent financial events who have since regained financial stability.
Program Highlights
- LTV up to 90% for Purchase
- LTV up to 80% for Cash-out Refinance
- Minimum 600 FICO
- Recent Credit and Housing Event Options
- Jumbo Loan amounts up to $4M
- Primary, Second Home & Investment
- No MI
- No Reserve Options
- 30YR and 40YR I/O terms available (Fixed or ARM)
- SFR, 2-4 Units, Condos (and Non-Warrantable), PUD, Log Homes, Hobby Farms, Rural Properties, Modular and Tiny Homes
- No 4506-T Form required
- Let ARDRI calculate the income for you
Click here to view pricing and eligibility for ARDRI’s Traditional Full Doc Loan Program or price a loan with askARDRI.
Why Partner with ARDRI for Traditional Full Doc Loans?
At ARDRI, we bring efficiency and clarity to traditional lending. Our Traditional Full Doc Loan Program is designed to deliver a smooth, reliable experience with clear documentation, consistent underwriting, and a streamlined path to close. Backed by a technology-driven platform and a dedicated support team, we help you confidently guide well-qualified borrowers from application to funding.
Why Partner with ARDRI for Traditional Full Doc Loans?
At ARDRI, we bring efficiency and clarity to traditional lending. Our Traditional Full Doc Loan Program is designed to deliver a smooth, reliable experience with clear documentation, consistent underwriting, and a streamlined path to close. Backed by a technology-driven platform and a dedicated support team, we help you confidently guide well-qualified borrowers from application to funding.
Let’s Get Started!
Help Your Borrowers Achieve Their Homeownership Dreams! Contact us today to learn more about the ARDRI Traditional Full Doc Loan Program or to get started on your next loan submission.
Call us today at 855.855.8598 to learn more or start your borrower’s application!
