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Individual Tax Identification Number (ITIN) Mortgage Loans

No W2s or tax returns needed.

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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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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.

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Zillow rating: 4.9 of 5 stars
Top Mortgage Lenders Scotsman Guide

Buy A Home Without a Social Security Number

If you live in the US but are not a permanent resident or US citizen, you can purchase a home using your individual tax ID number. Quontic’s ITIN loan program allows for flexible documentation, which means you don’t need tax returns, W2s or stacks of bank statements to qualify.

We specialize in ITIN loans

100% gift funds accepted for down payment and closing costs
No W2s or tax returns required
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Loan amounts up to $1,000,000

Quontic Bank Mortgages

Quontic Bank specializes in non-traditional mortgages for non-traditional borrowers – including foreign nationals. As a federally chartered digital bank and US Treasury designated CDFI, Quontic is one only a few mortgage lenders that can offer home loans with flexible documentation requirements.