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Full Doc and Stated Income
Full DocA 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 and least expensive product 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.
