fbpx

Mortgages With Flexible Documentation

No W2's or tax returns and limited income verification required. You're 60 seconds away from seeing if you prequalify.

Property
Purchase Details
Financing
Contact
Google rating: 4.5 of 5 stars
Bankrate rating: 5 of 5 stars
Zillow rating: 4.9 of 5 stars

Non-Traditional Home Loans for Non-Traditional Borrowers

Quontic Bank provides flexible income verification solutions to non-traditional borrowers in need of a home loan. Those seeking a no doc mortgage or other mortgage loan with limited income verification may find a path forward with our lite doc loan and other non-traditional mortgage programs. These unconventional mortgage loans with no W2s or tax returns required, are tailored to those with inconsistent or difficult-to-document income sources.
Conventional
Mortgage Loan
Quontic Mortgage
for Flexible Documentation
documents-icon.png

Flexible Income
Documentation Required

orange-x.png
green-checkmark.png
arrows-circle-dollar-sign-icon.png

Accountant-Prepared Profit & Loss
Statement for Small Business Owners

orange-x.png
green-checkmark.png
gift-icon.png

100% gift funds accepted for down payments and closing costs, including on investment property loans

orange-x.png
green-checkmark.png
dollar-slider-icon.png

Loan Amounts

Up to $726,200*
Up To $3,000,000**
speedometer-icon.png

Minimum FICO Score Required

620
660
dollar-house-icon.png

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.

*The Federal Housing Agency based on single unit as of January 1, 2023.

**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.

Types of Non-Traditional Borrowers

Types of Non-Traditional Mortgage Programs

Mission driven & federally certified

As a federally chartered digital bank and US Treasury designated Community Development Financial Institution (CDFI), Quontic Bank is one of only a few mortgage lenders that can offer home loans with flexible documentation requirements. Since 2009 our mission is to level the lending playing field by making mortgages more equitable for communities that need them.

Disclaimer:

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 September 27, 2022.