

Mortgage refinance1
What’s stopping you from making your current house your dream home? With a home refinance, you may save more money for the future, lower your monthly payment or even get the cash out to update and improve your home. Quontic’s team of mortgage specialists are here to help you find the best type of loan that can meet your refinance goals and guide you through the entire refinance process.

Community Development Loans1
With a Community Development Loan, inconsistent or difficult to document income may not hold you back – you may be able to qualify to purchase a home based on your good credit, substantial savings and alternative income documentation.
Making home ownership more equitable and accessible:
- Flexible documentation requirements
- Your down payment, closing costs, and reserves can be 100% gifted
- Loan amounts up to $3,000,000.
Conventional loans1
Our competitive rates and top-tier service make Quontic the right choice for your conventional loan financing.
Traditional loans through a non-traditional lender:
- A mortgage made for all types of properties.
- Higher credit score needed compared to an FHA loan
- Private Mortgage Insurance (PMI) required for down payments less than 20%


FHA loans1
Finance your dream home with less cash upfront.
With an FHA loan from Quontic, find financial peace with low down payments, the choice of fixed & adjustable rates, and gift allowances for closing costs.
The loan you need, at a price you can afford:
- Low down payments starting at 3.5%
- Your choice of fixed & adjustable rates
- A loan that’s more flexible to obtain vs. a conventional loan
VA loans1
You’ve served our country, we’re helping you home.
Veterans, Reservists and Active military members can achieve the dream of homeownership through Quontic’s VA program offering 100% financing for eligible members.
- Qualified members don’t need a down payment
- Relaxed credit requirements vs. a conventional loan


Recognized as a top mortgage lender
Quontic’s loan officers 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.
Frequently Asked Questions
What’s a mortgage refinance?
A mortgage refinance happens when homeowners seek out a new home loan in order to replace their current loan. The reasons why vary from homeowner to homeowner, but traditionally the end goal is to save money on your monthly mortgage payment.
What are the benefits of a mortgage refinance?
There are many benefits to mortgage refinancing. Borrowers may be able to take advantage of their home equity, get a different type of loan, secure a lower interest rate, or even lower their monthly payments. Additionally, it is a great way to help consolidate any outstanding debt, upgrade your kitchen or bathroom, or shorten your 30-year mortgage. Whether you’re looking to eliminate PMI, pay less money each month on your mortgage payment or secure a fixed-rate mortgage, there are endless possible benefits to getting a refinance. In general, homeowners use refinancing as a way to better their financial situation.
How much home can I afford?
Many experts recommend that your housing costs — including mortgage, taxes and insurance — should be no more than 28% of your monthly income. However, this rule of thumb may not work for everyone. To figure out how much you can afford to spend on a home, consider your household income, monthly debts and the amount you plan to use for a down payment.
What are the current mortgage rates?
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 licensed 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.
Disclaimer:
1 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 7, 2021 & is subject to change without notice.
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