NIVA
NIVA Loan Program (No-Income / Verified Assets)
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The NIVA (No-Income, Verified Assets) Loan Program is designed for borrowers who prefer not to document traditional income such as W-2s, pay stubs, or tax returns. Instead of income verification, qualification is based on verified liquid assets, reserves, credit profile, and overall financial strength.This program is ideal for high-net-worth individuals, investors, self-employed borrowers, and retirees who have substantial assets but non-traditional or irregular income.
Who Is the NIVA Program For?
The NIVA loan may be a strong option if you: Have significant liquid assets or reserves. Are self-employed with complex income. Are an investor or business owner. Are retired or living off investments. Prefer not to document employment or income. Want a simplified qualification process
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How the NIVA Program Works
No income or employment verification. Assets are reviewed and verified to determine eligibility.
Qualification is based on : Asset strength and reserves. Credit profile. Property type and loan structure. Available for purchases and refinances.
Key Benefits
No tax returns, W-2s, or pay stubs required. Streamlined documentation compared to traditional loans. Ideal for borrowers with strong balance sheets. Options for primary residences, second homes, and investment properties. Flexible underwriting guidelines.
What to Expect
NIVA loans typically require: Higher down payment compared to conventional loans. Strong credit profile. Significant verified assets and reserves. Different rates and terms due to flexible qualification. These programs are designed to provide financing solutions where traditional loans may not be an option.
