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What Is a No Income Verification Loan? | Reference.com – Quicken Loans notes that no income verification loans (or NIVs) are loans that do not require applicants to prove income through pay stubs and W-2 forms. These loans are often mortgages and are primarily for the self-employed and those paid through commission.

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These loans can also be a blessing for people who’ve misplaced documents or need to move quickly to closing and don’t have time to collect their paperwork and wait for it to be processed. No-income verification loans can help overcome the problem of proving that you’re worthy. .

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What Is a No Income Verification Loan? | Reference.com – No income verification loans allow an applicant to prove income through other means, though it may require a high credit score, a higher down payment and proof of liquid assets to cover all expenses, including the proposed mortgage, for up to six months, reports Bankrate. Applicants must be prepared.

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