Melbourne Financial Corporation offers many types of loan products to meet the individual needs of our customers. Below is a brief overview of some of the products available for both purchase and refinance transactions: Full DOC - income, assets and liabilities verified Reduced DOC - These programs eliminate the need to verify income Stated income - state line of work and income amount but not verified No income verification (NIV) - no income stated on application No income no asset (NINA) - no income or assets verified on application No Ratio - this program is offered for borrowers with a strong asset base and steady employment - no income is stated or verified No DOC Loan - this program does not verify income, assets or employment and is just suited for borrowers with a strong down payment/equity position