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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.

PRICE A LOAN DOWNLOAD FLYER

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.

PRICE A LOAN DOWNLOAD FLYER

Open Doors for Your
Clients with a
Traditional Full
Doc Loan

Full Doc Hero Background

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
  • 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?

At ARDRI, we’re redefining the Non-QM lending experience for brokers and their clients. Our innovative technology platform and dedicated team ensure seamless communication, transparent processes, and solutions tailored to your borrowers’ unique needs. With ARDRI, you can focus on delivering value while we handle the complexity.

Why Partner with ARDRI?

At ARDRI, we’re redefining the Non-QM lending experience for brokers and their clients. Our innovative technology platform and dedicated team ensure seamless communication, transparent processes, and solutions tailored to your borrowers’ unique needs. With ARDRI, you can focus on delivering value while we handle the complexity.

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!

GET APPROVED

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!

Meet Our Non-QM Loan Programs

As a client-focused mortgage lender, ARDRI provides TPO brokers with innovative financing solutions that make closing deals easier. Get to know our comprehensive consumer and business loan programs!

Meet Our Non-QM Loan Programs

As a client-focused mortgage lender, ARDRI provides TPO brokers with innovative financing solutions that make closing deals easier. Get to know our comprehensive consumer and business loan programs!

Meet Our Non-QM Loan Programs

As a client-focused mortgage lender, ARDRI provides TPO brokers with innovative financing solutions that make closing deals easier. Get to know our comprehensive consumer and business loan programs!