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NINA No Income No Asset Loans Now Available – Stated Income – NINA loans are making a comeback and are now available through certain lenders. nina stands for No Income No Asset verification and the NINA loan has been popular with small business owners before the lending industry went through its most recent financial crisis.

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No Income / No Asset (NINA) mortgages are a type of loan where the borrower does not have to disclose their income and assets to the lender.

A loan issued under such circumstances may be referred to as a NINA loan or NINJA loan. The NINA loan is the basis for the apocryphal "NINJA" loan that is often used as an example of excesses in the boom-era mortgage market. ninja supposedly stood for "no-income, no job, no assets," but no such loan ever existed.

NINA loan (plural NINA loans) (finance) A mortgage loan to a borrower with no verified or stated income or assets. 1991 december 22, "Alternative Financing Picks Up Popularity", in Toledo Blade (Ohio) : Low and no-documentation mortgages.

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No income, no asset (NINA) 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. NINA programs are ostensibly created for those with hard to verify incomes but in actuality have been popularly used in situations where aggressive mortgage lenders and brokers did not want any trouble qualifying otherwise non-qualif

The NINA loan is the basis for the apocryphal "NINJA" loan that is often used as an example of excesses in the boom-era mortgage market. NINJA supposedly stood for "no-income, no job, no assets," but no such loan ever existed. Also, the NINA code, which did exist, did not signify a loan to a borrower with no income.

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