Quontic

Flexible documentation mortgages

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Google: 4.5 star rating
Bankrate: 5 out of 5 stars
Zillow rating: 4.9 stars

A home loan without documentation hurdles

As a CDFI lender, Quontic provides flexible income verification solutions to non-traditional borrowers in need of a home loan. Similar to a no doc mortgage, our lite doc loans offer limited documentation – no W2s or tax returns required. These unconventional mortgage loans are tailored to those with inconsistent or difficult-to-document income sources.
Conventional
Mortgage Loan
Quontic Mortgage
for Flexible Documentation
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Flexible Income
Documentation Required

X
Check
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Accountant-Prepared Profit & Loss
Statement for Small Business Owners

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

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Check
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Loan Amounts

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

620
640
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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 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.

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 September 27, 2022.