Community Development Loans
Meet the mortgage solution made for
non-traditional borrowers.
Mortgages that match your lifestyle1
- Self-employed 12 month CPA / Tax prepared P&L accepted
- Small business owners May qualify without traditional income verification
- Lower income families Share or pool extended family resources to qualify
- Foreign nationals Individuals seeking mortgage financing in the US
- Real estate investors May qualify with only the subject property income
- Immigrants Purchase or refinance a home based on your overall financial profile
- Commission based workers May qualify for a mortgage despite fluctuating or cash-based income
- Retirees Put significant savings or home equity to work
A loan in a league of its own

Information in this chart is applicable to the purchase of a primary residence only and subject to additional requirements.
*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
Frequently Asked Questions
How do I get started with a Community Development loan?
What are gift funds?
Does Quontic accept gift funds?
How much of a down payment do I need?
Depending on which loan program you qualify for, you can have as little as a 20% down payment to own a home.
Do I need to verify my income?
Depending on which loan program you qualify for, a statement of income may not be required.
Do I need tax returns to qualify?
No tax returns or W2s are needed to qualify for our Community Development Loans.
Why should I get my mortgage through Quontic Bank?
At Quontic, you’re more than just a loan application. We value all our customers’ diverse situations and embrace them with specialized mortgages made to fit their needs. Plus, in addition to being registered to lend in all 50 states, we offer a diverse and multi-lingual sales team, an experienced Mortgage Specialist at every step and convenient and helpful customer service.
Why is it important to get pre-qualified for a mortgage?
Getting pre-qualified for a mortgage helps you understand how much home you can afford and shows that you are a serious buyer. It also helps you find a lender that can work with you to select the right home loan with an interest rate that fits your needs.
What are the current mortgage rates?
Disclaimer:
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 July 28, 2022 & is subject to change without notice.
2The Federal Housing Agency based on single unit as of January 1, 2023
