What is a Select Prime Full Doc?

The Select Prime Full Doc program is a Non-QM loan solution designed with precision and flexibility in mind. With an LTV of up to 90% and a wide loan amount range, it’s suitable for diverse financial scenarios. The program’s core strength lies in its adaptability; whether for owner-occupied residences, second homes, or investment properties, it provides a structured yet accommodating approach. With a clear focus on the borrower’s financial profile, the program requires only a minimum FICO of 640 based on the primary wage earner’s middle score. Its reduced documentation period and a pragmatic view on recent credit events underscore its commitment to efficiency. Moreover, its inclusivity is evident, catering to US Persons, those with ITIN, and foreign nationals. In essence, the Select Prime Full Doc offers a balanced, professional, and comprehensive mortgage solution.

Need a Select Prime Full Doc loan scenario review?

If you have a client scenario that you would like our team to review, please use our simple prequal submission form.


  • Up to 90% LTV
  • ITIN to 85% LTV (Purchase / 1 Unit Single-Family Residence/PUD)
  • Loan Amounts From $125K to $3.5M+
  • Purchase, Rate/Term and Cash Out
  • OO, Second Home, NOO
  • 1 or 2 Years Full Doc or Asset Utilization (36 or 60 Months)
  • ≥ 12 Months Seasoning on Credit Events
  • U.S. Citizen, Permanent and Non-Permanent Residents, ITIN


Become an Approved
Broker in Just Minutes!

Offer your clients even more financing options by becoming an NQM Funding, LLC-approved broker. You’ll gain access to our competitive loan packages, flexible programs, and top-quality support service to ensure that your clients are getting the best deal, every time.


This information is intended for the exclusive use of licensed real estate and mortgage lending professionals in accordance with all laws and regulations. Distribution to the general public is prohibited. Rates and programs are subject to change without notice.