No Income Verification Morgage - Rates & Quotes - NIVA Morgages...
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For those of you wondering what the difference is between 'stating income' and not verifying income, it really comes down to this: if a janitor 'stated' an income of $8,000 a month the loan would be denied because the lender would reject such an income as improbable. However, that same janitor could use a 'No Income Verification' program and wouldn't have to disclose an income at all in order to qualify. So people that can't state their income to qualify can sometimes use a No Income program to qualify. As with stated income programs, though, this option is really geared toward people with good credit and loan to values below 70%. To apply for a NIVA Loan use the quick form at the top of this page.
Return to the morgage home page. While the debts are still in default the Mortgage Net Branches creditor or its assignee can still file a lawsuit against a mortgage net branch debtor.
"To say that I appreciate you and your company's help would be a huge understatement..."
NIVA Morgage Information
No Income Verification Morgage: This type of loan is commonly referred to as a 'NIVA' which is short for 'No Income Verified Assets'. This loan is similar to a 'Stated Income Verified Assets' loan in that you are required to verify your assets in order to quality for the loan. The difference between the two is that a Stated Income loan requires your income to be verified whereas 'No Income Verification' programs do not require such verification. Your employment is still verified, though.For those of you wondering what the difference is between 'stating income' and not verifying income, it really comes down to this: if a janitor 'stated' an income of $8,000 a month the loan would be denied because the lender would reject such an income as improbable. However, that same janitor could use a 'No Income Verification' program and wouldn't have to disclose an income at all in order to qualify. So people that can't state their income to qualify can sometimes use a No Income program to qualify. As with stated income programs, though, this option is really geared toward people with good credit and loan to values below 70%. To apply for a NIVA Loan use the quick form at the top of this page.
Return to the morgage home page. While the debts are still in default the Mortgage Net Branches creditor or its assignee can still file a lawsuit against a mortgage net branch debtor.