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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.

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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
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Flexible Income
Documentation Required

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Accountant-Prepared Profit & Loss
Statement for Small Business Owners

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

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Loan Amounts

Up to $726,200*
Up To $3,000,000**
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Minimum FICO Score Required

620
660
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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.

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

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.

Wait, don’t go

High Interest Checking Account is a conditional tiered variable rate account wherein you must deposit $100.00 to open this account. After fulfilling the minimum qualifying activity requirements per statement cycle of 10 qualifying Point of Sale debit card transactions equal to or over $10.00 per transaction, the 1.10% annual percentage yield (APY) applies to all balance tiers, which are identified as $0–$150,000, $150,000.01–$1,000,000 and balances over $1,000,000. If the qualifying activity requirement is NOT fulfilled, the annual percentage yield on the balance will be 0.01%. Ask for details. Additional terms, conditions, fees & exclusions may apply. Rates may change without notice. If the account is closed before interest and/or bonus is credited, accrued interest and/or bonus may be forfeited for that statement cycle. Fees could reduce earnings. The following activities are not considered qualifying POS debit card transactions and do not count toward earning rewards: ATM- processed transactions; transfers between accounts; purchases made with debit cards not issued by our bank; cash over portions of point-of-sale transactions; Peer-to-Peer (P2P) payments (such as Apple Pay Cash*); loan payments or account funding made with your debit card and purchases made using third-party payment accounts. Transactions may take one or more business days from the date the transaction was made to post and settle to an account. Online Account Opening is only available to consumers. Data connection required to open an account online. Carrier fees may apply. Application is subject to approval. Information is accurate as of May 31, 2022 and may change without notice.
You’re only seconds away from finding out if you pre-qualify. There’s no credit check or obligation to apply for a loan. So, what are you waiting for?
Finish

Wait, don’t go

High Interest Checking Account is a conditional tiered variable rate account wherein you must deposit $100.00 to open this account. After fulfilling the minimum qualifying activity requirements per statement cycle of 10 qualifying Point of Sale debit card transactions equal to or over $10.00 per transaction, the 1.10% annual percentage yield (APY) applies to all balance tiers, which are identified as $0–$150,000, $150,000.01–$1,000,000 and balances over $1,000,000. If the qualifying activity requirement is NOT fulfilled, the annual percentage yield on the balance will be 0.01%. Ask for details. Additional terms, conditions, fees & exclusions may apply. Rates may change without notice. If the account is closed before interest and/or bonus is credited, accrued interest and/or bonus may be forfeited for that statement cycle. Fees could reduce earnings. The following activities are not considered qualifying POS debit card transactions and do not count toward earning rewards: ATM- processed transactions; transfers between accounts; purchases made with debit cards not issued by our bank; cash over portions of point-of-sale transactions; Peer-to-Peer (P2P) payments (such as Apple Pay Cash*); loan payments or account funding made with your debit card and purchases made using third-party payment accounts. Transactions may take one or more business days from the date the transaction was made to post and settle to an account. Online Account Opening is only available to consumers. Data connection required to open an account online. Carrier fees may apply. Application is subject to approval. Information is accurate as of May 31, 2022 and may change without notice.
You’re only seconds away from finding out if you pre-qualify. There’s no credit check or obligation to apply for a loan. So, what are you waiting for?
Finish