{"id":122,"date":"2026-08-15T14:09:07","date_gmt":"2026-08-15T18:09:07","guid":{"rendered":"https:\/\/balancekim.com\/mortgage\/?page_id=122"},"modified":"2026-08-22T16:26:45","modified_gmt":"2026-08-22T20:26:45","slug":"full-doc-vs-alt-doc","status":"publish","type":"page","link":"https:\/\/balancekim.com\/mortgage\/ko\/full-doc-vs-alt-doc\/","title":{"rendered":"FULL DOC vs ALT DOC"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\ubaa8\uae30\uc9c0 \ub860\uc5d0\uc11c \uac00\uc7a5 \uae30\ubcf8\uc774 \ub418\ub294 \uac1c\ub150 \uc911 \ud558\ub098\uac00 \ubc14\ub85c \ud480\ub2e5(Full Doc)\uacfc \uc54c\ud2b8\ub2e5(Alt Doc)\uc785\ub2c8\ub2e4. \uc5ec\uae30\uc5d0\uc11c\u00a0<em>doc<\/em>\u00a0\uc740 \uc11c\ub958, \uc989 \u2018\uc778\ucef4\uc744 \uc99d\uba85\ud558\ub294 \uc815\uc2dd \uc11c\ub958\u2019\ub97c \ub9d0\ud569\ub2c8\ub2e4. \uc27d\uac8c \ub098\ub204\uc5b4 \uc124\uba85\ud574 \ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"height:16px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"796\" src=\"https:\/\/balancekim.com\/mortgage\/wp-content\/uploads\/2026\/08\/full-doc-no-doc-1.jpg\" alt=\"Full Doc No Doc 1\" class=\"wp-image-123\" style=\"aspect-ratio:1.286437783404982;width:760px;height:auto\" title=\"FULL DOC vs ALT DOC\" srcset=\"https:\/\/balancekim.com\/mortgage\/wp-content\/uploads\/2026\/08\/full-doc-no-doc-1.jpg 1024w, https:\/\/balancekim.com\/mortgage\/wp-content\/uploads\/2026\/08\/full-doc-no-doc-1-300x233.jpg 300w, https:\/\/balancekim.com\/mortgage\/wp-content\/uploads\/2026\/08\/full-doc-no-doc-1-768x597.jpg 768w, https:\/\/balancekim.com\/mortgage\/wp-content\/uploads\/2026\/08\/full-doc-no-doc-1-15x12.jpg 15w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div style=\"height:39px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">FULL DOC, Full Documentation<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Full doc\uc740 \uc815\uc2dd \uc138\uae08 \ubcf4\uace0 \uc11c\ub958\ub9cc\uc73c\ub85c \ub860\uc744 \ubc1b\ub294 \uc815\uc11d\uc801\uc778 \ubc29\ubc95\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc9c1\uc7a5\uc5d0\uc11c \ubc1b\ub294 \uae09\uc5ec(W-2)\ub098 \uc790\uc601\uc5c5 \uc18c\ub4dd\ubfd0\ub9cc \uc544\ub2c8\ub77c, \ubc95\uc801\uc73c\ub85c \uc99d\ube59\ub418\ub294 \uc774\ud63c\uc218\ub2f9(Alimony), \uc591\uc721\ube44(Child Support) \ub4f1 \ucd9c\ucc98\uac00 \ud22c\uba85\ud558\uace0 \uc55e\uc73c\ub85c\ub3c4 \uafb8\uc900\ud788 \ub4e4\uc5b4\uc62c \uac83\uc774 \ud655\uc2e4\ud55c \ubaa8\ub4e0 \uc218\uc785\uc744 \uc778\ucef4\uc73c\ub85c \uc778\uc815\ubc1b\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub2e8, \ub300\ubd80\ubd84\uc758 \uc18c\ub4dd\uc740 \ucd5c\uc18c 1~2\ub144 \uc774\uc0c1 \uc9c0\uc18d\ub418\uc5c8\uc5b4\uc57c \uacc4\uc0b0\uc5d0 \ud3ec\ud568\ub418\uba70, \ub3c8\uc744 \ubc1b\uae30 \uc2dc\uc791\ud55c \uc9c0 \uc5bc\ub9c8 \uc548 \ub3fc\uc11c \uc544\uc9c1 \uc138\uae08 \ubcf4\uace0(Tax Return)\uc5d0 \ubc18\uc601\ub418\uc9c0 \uc54a\uc558\ub2e4\uba74 \uc778\uc815\ubc1b\uae30 \uc5b4\ub824\uc6b8 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \ub9cc\uc57d 1\ub144\uc774 \uc548 \ub418\uc5c8\ub354\ub77c\ub3c4 \ub2e4\uc74c \uc870\uac74 \ud558\uc5d0 \uc778\uc815\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc989 1\ub144 \uc774\ud558\ub77c\ub3c4 \uc544\ub798 \uc870\uac74\uc744 \ucda9\uc871\uc2dc\ud0a4\uba74 \uc18c\ub4dd\uc73c\ub85c \uc778\uc815\ub420\uc218 \uc788\ub2e4\ub294 \ub73b\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ubc95\uc6d0 \ud310\uacb0\ubb38\uc774\ub098 \uba85\ud655\ud55c \uacc4\uc57d\uc11c\uac00 \uc788\uace0,<\/li>\n\n\n\n<li>\uc774\uac83\uc774 \uc2e4\uc81c \uc740\ud589 \uacc4\uc88c(Account)\uc5d0 \uaddc\uce59\uc801\uc73c\ub85c \ubc18\uc601\ub418\uace0 \uc788\uace0,<\/li>\n\n\n\n<li>the documentation clearly states that the income will continue for&nbsp;at least three years.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">ALT DOC, Alternative Documentation<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ub9ce\uc740 \ubd84\uc774 \u2018\ub178\ub2e5(No Doc)\u2019\uc774\ub77c\uace0 \ubd80\ub974\ub294 \uc774 \ud504\ub85c\uadf8\ub7a8\uc740, \uc27d\uac8c \ub9d0\ud574 \uc138\uae08 \ubcf4\uace0 \uc11c\ub958(Tax Return)\ub97c \ubcf4\uc9c0 \uc54a\uaca0\ub2e4\ub294 \ub73b\uc785\ub2c8\ub2e4. \uc138\uae08 \uc11c\ub958\ub97c \ubcf4\uc9c0 \uc54a\ub294 \ub300\uc2e0 \ub2e4\ub978 \uc6b0\ud68c\uc801\uc778 \ubc29\ubc95\uc73c\ub85c \uc0c1\ud658 \ub2a5\ub825\uc744 \uc785\uc99d\ud558\uae30 \ub54c\ubb38\uc5d0, Alternative Documentation(\ub300\uccb4 \uc11c\ub958 \uc735\uc790) \ub610\ub294 Non-QM \ub860\uc774\ub77c \ud45c\ud604\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc138\uae08 \ubcf4\uace0\uc11c\uc0c1\uc5d0 \uac10\uba74(Deduction)\uc744 \ub9ce\uc774 \ubc1b\uc544 Net Income\uc774 \ub0ae\uac8c \uc7a1\ud788\ub294 \uc790\uc601\uc5c5\uc790\ub098 \ud22c\uc790\uc790\ubd84\ub4e4\uc740 \uc138\uae08 \uc11c\ub958 \ub300\uc2e0 \ubc45\ud06c \uc2a4\ud14c\uc774\ud2b8\uba3c\ud2b8, CPA\uac00 \ud655\uc778\ud55c \uc190\uc775\uacc4\uc0b0\uc11c(P&amp;L), \ud639\uc740 \ud22c\uc790 \ubd80\ub3d9\uc0b0\uc758 \ub80c\ud2b8 \uc218\uc785 \ub4f1\uc744 \ud65c\uc6a9\ud574 \uc778\ucef4\uc744 \uc785\uc99d\ud558\uac8c \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bank statements<\/strong><\/li>\n\n\n\n<li><strong>\uc138\ubb34\uc0ac\uc758 \uc190\uc775\uacc4\uc0b0\uc11c<\/strong><\/li>\n\n\n\n<li><strong>\ud22c\uc790 \ubd80\ub3d9\uc0b0\uc758 \ub80c\ud0c8 \uc778\ucef4<\/strong>, and more.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\uad6c\uccb4\uc801\uc73c\ub85c \ub354 \uc544\uc2dc\ub824\uba74 \ub2e4\uc74c\uc744 \ud074\ub9ad\ud558\uc138\uc694.&nbsp;<a href=\"https:\/\/balancekim.com\/mortgage\/ko\/non-qm\/\" data-type=\"page\" data-id=\"73\">Alt Doc programs here<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>One of the most fundamental concepts in mortgage lending is the difference between\u00a0Full Doc (Full Documentation)\u00a0and\u00a0No Doc or Alt Doc (No Documentation or Alternative Documentation). Here,\u00a0doc\u00a0refers to documents \u2014 specifically, the\u00a0official documents used to verify income. Let me break it down in a simple and clear way. FULL DOC, Full Documentation Full Doc is the&hellip;&nbsp;<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","footnotes":""},"class_list":["post-122","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/pages\/122","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/comments?post=122"}],"version-history":[{"count":10,"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/pages\/122\/revisions"}],"predecessor-version":[{"id":231,"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/pages\/122\/revisions\/231"}],"wp:attachment":[{"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/media?parent=122"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}