Borrowers have owned a successful business for over 25 years and own a multimillion-dollar home with a jumbo loan that needed to be refinanced. Because they do not claim a large amount of income, they did not qualify under full documentation underwriting. By providing 3 months of bank statements, the lender approved a loan that placed the borrowers into a low 30-year fixed rate and created a monthly payment that they know they will always be able to meet.