Back in the Wild, Wild West era of mortgage lending before the housing crisis, NINJA loans (loans given to borrowers with no income, no job, and no assets required) became quite the rage. 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.
No Doc Mortgage: What’s Available Now.. Similar products are now back in the market. It could be a good time to see if you qualify.. However, many people used the NINJA to get loans they.
If you receive a loan offer, you will have an opportunity to review the terms of the loan and can decline any loan offer with no further obligation to Ninja Payday or the lender. These are just a few of the reasons that people come back to Ninja Payday when they need help finding cash.
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CreditNinja’s installment loans give you access to funds in a safe and timely manner. Our online request process allows you to apply for a personal loan from the comfort of your home. That means no more long bank forms or slow moving lines.
3.These Are Quality Loans One thing about non-QM loans – they perform well. These aren’t the NINJA loans of 2006. Today’s lenders are smarter and are layering risk much differently than they did.
Stated income loans make comeback as mortgage lenders seek. – While even ninja loans could easily be securitized before the mortgage bubble burst, packaging non-standard home loans into bonds and selling them to investors is much more difficult now.
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