The Light Doc program is designed for those who have light documentation available for their loan application. Under this program, the following guidelines apply: Only one pay stub is needed to verify income No W-2s, No 4506 form, and no fico scores needed 70% LTV to $2,000,000 Disclaimer: All loans are subject to credit approval. A credit inquiry is required. Interest rates and loan programs are subject to change and/or cancellation without notice.