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No Income / No Asset Mortgage – NINA: A type of reduced documentation mortgage program in which no income and no assets are disclosed on the loan application, but employment is verified. NINA.
A ninja loan is a subprime mortgage loan offered to borrowers without proof of income, employment, or assets. The word ninja is a nickname for a loan product available during the subprime market of the early 2000’s. Ninja loans are another name for NINA which stands for no income, no assets, and was coined in a book by Charles Morris.
Some silly loan officers refer to these types of loans as NINJA loans, with the "J" representing the word job. It doesn’t mean the borrower doesn’t have a job, it just means the lender doesn’t ask any questions related to their employment. So in essence, the borrower could potentially.
“They’re not used to this type of market with the multiple offers,” says Larry Kendall, chairman of The Group Inc. real estate in Fort Collins, Colorado, and author of “Ninja Selling. to see if.
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NINJA loan: read the definition of NINJA loan and 8,000+ other financial and investing terms in the NASDAQ.com Financial Glossary.
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Some of the infamous mortgage types from the pre-crisis days are available once again. Most famously, there were the NINJA loans — No Income, No Job or Assets — which required nothing but a credit score. Then there were loans that required only asset verification but no income documentation.