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Nina

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. A loan issued under such circumstances may be referred to as a NINA loan or NINJA loan. NINA programs are ostensibly created for those with hard to verify incomes (waiters, etc.) but in actuality have been popularly used in situations where aggressive mortgage lenders and brokers did not want any trouble qualifying otherwise non-qualifying loans, thus becoming a significant factor in the subprime lending crisis. A significant number of NINA loans were never possible for the applicant to repay and have resulted in defaults for this reason, as laid out in detail by investigative report… more »

Year:

2007

4:02

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Watch the world go by in silence
Deep in the night in silence
Time going by so slow
I think about the morning
And it warns my heart
Because tonight I'm going back to the one I love
And by tomorrow with the dawn I'll be there
And he'll be beside me

Sunlight, oh, sunlight
Bring me the love I'll need to guide me
Shining deep inside of me
Sunlight, oh, sunlight
Show me the way

I look at the stars and I pray for morning 
Counting the hours till morning
Thinking about his smile
His sweet smile
I'm standing on a promise of a brand new day
I couldn't face another night staying home alone
I know he needs me just as much as I need him
So, baby, I'm coming home

Sunlight, oh, sunlight
Bring me the love I'll need to guide me
Shining deep inside of me
Sunlight, oh, sunlight
Show me the way
Ooh oh, yeah

And I won't let him
I won't let him let me go, no no no
No more running from his side
I'm gonna stay right by his side
He's my laughter, my lover, my life
He's my sunlight

Sunlight, oh, sunlight
Show me the way to a brighter day

Sunlight, oh, sunlight
Bring me the love I'll need to guide me
Shining deep inside of me
Sunlight, oh, sunlight
Show me the way to a brighter day

Oh, sunlight, oh, sunlight
Bring me the love I'll need to guide me
Shining deep inside of me
Sunlight, oh, sunlight
Show me the way
To a brighter day
Ooohh

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