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

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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 and closing costs, including on investment property loans

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Check
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Loan Amounts

Up to $726,200*
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.

*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.

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.