A full documentation loan is where your assets and income are verified and disclosed. Your income is used to determine your ability to repay the mortgage. For formal verification, employment is verified by your employer. Your deposits are verified by the bank as well. This is the most common kind of loan for a mortgage. We also offer programs that use a borrower’s bank statements to verify income, however these programs have more restrictive guidelines for down-payment/equity, credit score and asset reserves.