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Mortgages With Flexible Documentation

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

Property
Purchase Details
Financing
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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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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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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

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Maximum Debt-to-Income Ratio

43%
50%
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100% Gift Funds Accepted For Down Payments, Closing Costs, Etc.

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Loan amounts

Up to $766,550
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

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Home purchase and refinance available, including cash-out refinance

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2nd home and multifamily properties allowed

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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

Types of Non-Traditional Borrowers

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 August 15, 2024.