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Mortgages With Flexible Documentation

No W2's or tax returns and limited income verification required.

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See if you pre-qualify in 60 seconds

"*" indicates required fields

Are you purchasing a home or refinancing?*
Do you want cash out?
What type of property will it be?
How will the property be used?
Where are you in the purchase process?
Where are you in the refinance process?
Quontic is committed to providing flexible income documentation options. Which best describes you?
Down payments of 20% or more may not require tax returns.
Have you paid off at least 20% of your current mortgage loan?
What is your estimated credit score?*
Your Current Address

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Enter your information below to view your results.

This prequalification provides an estimate based on a preliminary review of the provided information. This does not represent an offer to enter into a loan agreement. Loans are subject to credit approval and availability. By providing your phone number, you’re giving Quontic permission to use it to call and/or text message you regarding our products and services. While we won’t charge you for the calls or text messages, your service provider may depending on your plan.

This field is for validation purposes and should be left unchanged.
Google rating: 4.5 of 5 stars
Top Mortgage Lenders Scotsman Guide
Zillow rating: 4.9 of 5 stars
Top Mortgage Lenders Scotsman Guide

Simpler mortgages for non⁠-⁠traditional borrowers

As a federally chartered digital bank and US Treasury designated Community Development Financial Institution (CDFI), we’re one of only a few mortgage lenders that can accept alternative income documentation from borrowers who have strong credit and the substantial down payment to qualify. We assess the loan applicant’s full financial profile, not just bank statements, W2s and tax returns.
Conventional
Loans
Lite Documentation
Loans
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Little To No Income Documentation Required

X
Check
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Maximum Debt-to-Income Ratio

45%
50%
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100% Gift Funds Accepted For Down Payments, Closing Costs, Etc.

X
Check
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Loan amounts

Up to $548,250
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%**
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Adjustable Rate, Fixed Rate and
Interest Only Options Available

Check
Check
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Home purchase and refinance available, including cash-out refinance

Check
Check
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2nd home and multifamily properties allowed

Check
Check

Information in this chart is applicable to the purchase of a primary residence only.

*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 Borrowers

  • Lite Documentation 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.

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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