Home loans to fit your alternative income
No W2's or tax returns and limited income verification required.
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Mortgages Made For Flexible Income
A Community Development Loan from a CDFI like Quontic helps non-traditional and low-income borrowers, like small business owners and more, achieve homeownership. We offer loans to well-credited borrowers with significant resources who need assistance qualifying with alternative income documentation.
Conventional Mortgage Loan | Quontic Mortgage for Flexible Income | |
---|---|---|
Flexible Income | ||
Accountant-Prepared Profit & Loss | ||
100% gift funds accepted for down payments and closing costs, including on investment property loans | ||
Loan Amounts | Up to $726,2001 | Up To $3,000,000* |
Minimum FICO Score Required | 620 | 660 |
Minimum Down Payment Required | As low as 3% | 20%** |
Information in this chart is applicable to the purchase of a primary residence only and subject to additional requirements.
*A loan up to $3,000,000 requires minimum 30% down payment and minimum FICO score of 740.
**20% Down payment required minimum 660 credit score and has a maximum $1.5 million loan amount.
Mission driven & federally certified
Disclaimer:
1The Federal Housing Agency based on single unit as of January 1, 2023