New Full Doc Reserve Program – Qualify Easier with 401(k) and Retirement Assets

Written By Bunker Rayner

Now Introducing: Full Doc Reserve

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Eligible retirement and asset accounts can now help strengthen borrower qualification by combining Asset Depletion with Full Doc income.

This enhancement gives borrowers with strong financial reserves and retirement assets greater flexibility — creating more opportunities to qualify and close.

Real borrower example: A borrower with $8,500/mo W-2 income and $250K in a 401(k) can now add +$2,083/mo in additional qualifying income.

Key Highlights:

  • Combine Asset Depletion with Full Doc income

  • Expanded qualifying flexibility for eligible borrowers

  • Utilize eligible retirement and asset accounts

  • Designed to help strengthen borrower qualification and close more loans

Explore Full Doc Reserve

Bunker Rayner
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