Home Equity Loans

Tap into your home’s equity to finance a major purchase or project. Unlike a HELOC, a home equity loan, or HELOAN, is a second mortgage that allows you to borrow a one-time, lump sum of money. Whether you’re a conventional borrower or someone with non-traditional income, Quontic has home equity loan options to fit your second mortgage needs.
Google rating: 4.5 of 5 stars
Top Mortgage Lenders Scotsman Guide
Zillow rating: 4.9 of 5 stars

Home Equity Loans for All

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 help meet the lending needs of both traditional, W2 and salaried borrowers and those with inconsistent or difficult-to-document income. We assess our home equity loan borrowers full financial profile, not just bank statements, W2s, and tax returns.
Full Doc
Home Equity Loan
Lite Doc
Home Equity Loan

Accepts flexible income documentation


Eligible for Investment Properties


Eligible for Second Home Properties


Loan Amounts

Up to $500,000
(minimum $100,000)
Up To $350,000
(minimum $100,000*)

Reserves Required


Minimum FICO score required

Not eligible for properties located in Texas & Tennessee
*Minimum loan amount for Texas is $200,000

Loans designed for non-traditional borrowers

Available for PUDS, 1-4 units, and condos

As a CDFI, we accept alternative income documentation to qualify, not just tax returns or W2s
Full documentation and Lite Documentation options available

Second mortgage highlights

Top uses for home equity loans

Benefits of a home equity loan

Recognized as a top mortgage lender

Quontic’s loan officers may help make the loan process simple and seamless. With mortgage experience across multiple loan programs spanning decades, they are a diverse and multi-lingual team ready to walk you through each step of the mortgage process. And with hundreds of 5 star reviews from our customers, you can trust you’ll get a customized experience that makes your purchase or refinance goals a reality.


1All 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 May 31, 2023 & is subject to change without notice.

2The Federal Housing Agency based on single unit as of May 31, 2023

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