Mortgage Loans For the Self-Employed

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Simpler Mortgages For Self-Employed Borrowers

As a federally chartered digital bank and US Treasury designated Community Development Financial Institution (CDFI), we’re one of only a few mortgage lenders that can accept alternative income documentation from self-employed borrowers who have strong credit and the substantial down payment to qualify. We assess the applicant’s full financial profile, not just bank statements, W2s and tax returns – making our Community Development Loans ideally suited for business owners, contractors, freelancers, or gig workers.

Conventional
Mortgage Loan
Quontic Mortgage
for Self-Employed
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Flexible Income
Documentation Required

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100% Gift Funds Accepted For
Down Payments, Closing Costs, Etc.

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Loan Amounts

Up to $647,2001
Up To $3,000,000*
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Minimum FICO Score Required

620
660
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Minimum Down Payment Required

As low as 3%
20%**

Information in this chart is applicable to the purchase of a primary residence only.

*A loan amount up to $3,000,000 requires 30% down payment and a FICO score of 700.

**20% down payment requires a minimum 720 credit score and has a maximum $1.5 million loan amount.

Disclaimer:

1The Federal Housing Agency based on single unit as of January 1, 2022

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 July 29, 2022.