Mortgages With Flexible Documentation
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Non-Traditional Home Loans for Non-Traditional Borrowers
Conventional Mortgage Loan | Quontic Mortgage for Flexible Documentation | |
---|---|---|
Flexible Income | ||
Accountant-Prepared Profit & Loss | ||
100% gift funds accepted for down payments and closing costs, including on investment property loans | ||
Loan Amounts | Up to $726,200* | Up To $3,000,000** |
Minimum FICO Score Required | 620 | 660 |
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
- Self-Employed or Small Business Owners
- Gig Workers, Freelancers or Consultants
- Commission or Cash Based Earners
- Non-US Citizens
- Seasonal Workers
- Retirees and Investors
Types of Non-Traditional Mortgage Programs
- Lite Documentation Loan
- Bank Statement Loan
- Asset Utilization Loan
- DSCR Loan
- ITIN Loan
- Foreign National Loan
Mission driven & federally certified
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.