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Thanks for the replies lady and gentleman. I will have the lenders documents checked to see if there is an auto swap to full doc.

I have a client who is on a small retainer ($30,000) plus commission. Has been in job for 15 months but has not received any commission as yet because the retainer has to be covered first. The retainer will not allow for a $150k refinance from lo-doc to full doc but his employer is willing to do...