California Stated Income Mortgage Loan - NINA & SIVA Refinance at the lowest
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Stated Income Mortgage Loan and NINA Programs Explained
Lenders require evidence of your ability to afford a mortgage. Evidence can be provided through bank statements, W-2's, credit scores, verification of employment and assets, etc.FULL DOCUMENTATION: Requires a number of documents displaying evidence of income, employment, and assets.
STATED INCOME VERIFIED ASSETS (SIVA): You do not have to show evidence of income but rather 'state' it. You will still must show proof of employment or self-employment and must verify your liquid assets. The lender accepts your 'stated income' based on credit scores and Loan to Value. This is a great mortgage program for business owners, independent contractors, people with international accounts or 'family money', and others that can afford the loan but can't (or don't want to) show evidence of consistent income.
STATED INCOME STATED ASSETS (SISA): You do not have to show the amounts of your liquid assets but rather 'state' the amounts. You still must show proof of employment (self-employment or otherwise). The lender accepts the probability and strength of your 'stated assets' based on credit scores, employment and Loan to Value. This is a great mortgage program for business owners, independent contractors, people with international accounts or 'family money', and others that can afford the loan but can't (or don't want to) show evidence of their assets and income.
NO INCOME NO ASSETS (NINA):You do not have to provide evidence of income or assets. You are approved based on based on credit scores and/or Loan to Value. Many lenders require you to still list an employer or source of income; the main benefit with a NINA program is that qualification isn't based on Debt to Income or other qualifying asset ratios.
NO DOC: This is a loan that does not require you to provide any evidence of your ability to repay the loan beyond your credit history and the Loan to Value.
Application for Stated Income, Nina, Siva and other mortgage loan
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MORGAGE GLOSSARY
Amortization | Amortization Schedule | Annual Percentage Rate - APR | Biweekly Mortgage | Bridge Loan | Cash Out | Conforming Mortgage | Conventional Morgage | Debt To Income Ratio | Direct Lender | Discount Mortgage Broker | Discount Points | Good Faith Estimate | Grace Period | Impounds | Interest Only | Jumbo Morgage | Loan To Value | LTV | Negative Amortization | No Ratio | Option Arm | Piggyback | PITI | PMI | Prepayment Penalty | Reverse Mortgage | Subprime | Truth in Lending | Wholesale Lender | Yield Spread Premium | YSP