NIVA Program



You have been invited to take advantage of PhoneOps No Income Verified Assets Program, (NIVA Program). This wonderful program is designed for Investors that:

Don't have or want
to use Tax Returns

Don't have or want
to use W2's

Don't have or want
to use 1099's


Don't want to use
the P & L Only Program

Don't want to use
the Bank Statement Program

Just want to show Assets


If you fall into at least one of the above, then our program is great for you. PhoneOps NIVA Program is an awesome program and is getting more popular by the day.


This program has specific guidelines. View below:

As low as 620 FICO

No Reserves Required

Max 80% LTV
based on DSCR


Down payment must be
seasoned for 60 days

Minimum Loan Amount:

Maximum Loan Amount:
$2 Million

3yr-10yr Arm & IO Available

Personal Guarantee Required

Close as quickly as 8 days!



* Application Fee $295 WAIVED

* A Tri-Merge Credit Report fee of $45

* Passport or Driver's License

* A Checking Account

* A valid Social Security Card



We are extremely busy with our awesome programs so our time is limited. Only complete this online application if you are really serious in PhoneOps NIVA Program and ready to move forward after completion. Once your application has been submitted, you'll be re-directed to our Check List Page. There you'll go to and download the NIVA Check List and start uploading your documents to our site. We'll work hard in getting you pre-approved then assign you to a Licensed Real Estate Agent for showing in a timely manner.

"PhoneOps NIVA Program" Online Application



©2005-2023 PhoneOps Funding, LLC NMLS# 1491394