Community Development Loans1

Leveling the Lending Playing Field

Community Development Loan programs provide non-traditional access to prime mortgage financing for diverse underbanked individuals and families.

Recognized For Quality Mortgage Lending

Our exceptional customer service, knowledgable loan officers, and fast clear to close times have earned us a near 5 star average on Zillow!

Uplifting Underserved Populations

As a CDFI, our mission is to be the bridge between underserved communities and their homeownership dreams. Our CDL program is perfect for the self-employed, low-income, or other customers with unique circumstances whose income documentation doesn’t tell the whole story.

What is a Community Development Loan1?

Community Development Loans are unique to Quontic and provide non-traditional access to prime mortgage financing. While these loans work in a similar fashion to traditional purchase or refinance mortgage loans, there are a few key differences. Qualification is based on the borrower’s overall credit and financial profile, rather than the standard tax documentation or income verification such as W2’s and pay statements. While a variety of Community Development Loan options exist for both home owners and investors, they are best suited for borrowers with difficult to document income such as self-employed borrowers, immigrants, and others who have traditionally been overlooked by a one-size-fits-all approach to mortgage lending.

Our Community Development Loans1 Help...

Self-employed or commission or tip based borrowers or independent contractors with difficult to document income sources

Real estate investors with complex income who deserve a simplified underwriting process.
Immigrants, minorities and foreign nationals sharing or pooling extended family resources.
Families with low or moderate income.

With Quontic, Buying Your Dream Home Has Never Been Easier

Our Loan Specialists Will Get You Home

Quontic’s loan officers have mortgage experience with multiple loan programs spanning decades. They are a diverse and multi-lingual salesforce that are licensed to lend in all 50 states.

Curious About the Homebuying Process?

Frequently Asked Questions

Depending on which loan program you qualify for, a statement of income may not be required.

No tax returns or W2s are needed to qualify for our Community Development Loans.

Depending on which loan program you qualify for, you can have as little as a 20% down payment to own a home.

Yes, Quontic accepts 100% Gift Funds for down payment, closing costs, and reserves.

Recognized For Quality Mortgage Lending

Our [Great Thing One], [Great Thing Two], [Great Thing Three], and [Great Thing Four] have earned us a near 5 star average on Zillow!

Serving The Underserved

A Commitment We Don't Take Lightly

Quontic is the adaptive digital bank that empowers its customers financially while embracing their diverse circumstances. Quontic’s disruptive banking platform reimagines traditional banking with adaptive lending and innovative deposit products that transcend legacy banking inequities.


1 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 April 16, 2021 & is subject to change without notice.