Quontic

Flexible Documentation Mortgages for Unique Borrowers

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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 income documentation relief to non-traditional borrowers in need of a home loan. Fortunately, only 3% of lenders are still allowed to provide low-doc or no-doc mortgages in an effort to serve those who have been economically excluded from homeownership. No W2 or tax return documentation is needed to qualify depending on your credit history and down payment capital. These one-of-a-kind loans are tailored to those with difficult-to-document income sources. entrepreneurs, real estate investors with complex income and so many others.
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

X
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 July 22, 2022.