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Key takeaways. A no-doc mortgage offers a way to get a home loan without some of the income and employment verification paperwork lenders traditionally require, like W-2s and pay stubs.
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No doc loans do not require any supporting evidence of the borrowers income, just a declaration confirming that the borrower can afford the proposed repayments. This is known as an asset lend as the assessment of the loan is primarily focused on the saleability of the security property and the proposed exit strategy.
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No income, no asset (NINA) [1] is a term used in the United States mortgage industry to describe one of many documentation types which lenders may allow when underwriting a mortgage. A loan issued under such circumstances may be referred to as a NINA loan or NINJA loan .
Small dollar loans are short-term, low-cost installment loans of under $2,500 geared toward borrowers with little to no credit. They’re highly regulated on federal and state levels so the ...
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