
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 Non-Traditional Mortgage 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 $766,5501 | 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 September 3, 2024
All lending products are subject to approval. Rates, program terms & conditions are subject to change without notice. Not all products are available in all states or for all amounts. This does not represent an offer to enter into a loan agreement. Other requirements, restrictions & limitations apply. Information is accurate as of August 15, 2024.