NIVA
NIVA Loan Program (No-Income / Verified Assets)
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 Refinance For?
You may benefit from a NIVA refinance 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 income or employment. Want to refinance an existing property efficiently
What Can You Do With a NIVA Refinance?
Lower your interest rate or monthly payment. Change loan terms (fixed vs adjustable). Refinance a primary residence, second home, or investment property. Consolidate loans (program dependent)
Key Benefits
No income or employment verification. Simplified documentation process. Flexible underwriting guidelines. Available for multiple property types. Ideal for borrowers with strong balance sheets.
What to Expect
NIVA refinance programs typically require: Higher equity in the property Strong credit profile Verified liquid assets and reserves Different rates and terms compared to traditional refinances These programs provide refinancing solutions when conventional or government loans are not the right fit.