A No Income Verification Loan is a type of home loan that does not require income documentation to be provided by the borrower. Instead, the loan approval is based on the borrower’s credit score and the value of the property being purchased. This loan product is typically used by self-employed individuals or those with irregular income who find it challenging to provide sufficient income documentation to qualify for a traditional loan. No Income Verification Loans may have higher interest rates and stricter qualifications than conventional loans due to the lack of income documentation. However, they offer a more straightforward application process and a faster approval time.

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