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No Income Verification Loans

Tag: Loans — admin @ 5:28 am

One of the most common non-conforming loan programs is the No Income Verification (NIV) loan. A non-conforming loan refers to any loans that are sold to the secondary mortgage market, but NOT through Fannie Mae, Freddie Mac or Ginnie Mae. Non-conforming loans are sold through more expensive private conduits because they do not satisfy or “conform” to the guidelines established by Fannie Mae, Freddie Mac and Ginnie Mae.
The NIV program allows the borrower to qualify for mortgage financing, regardless of their income.