Non-Traditional Mortgages

Meet the mortgage solution made for
non-traditional borrowers.

Quontic’s home loans provide potential homebuyers or current homeowners with access to unique mortgage solutions. These loans are best suited for those with good credit who may not show consistent income on paper, or have difficult to document income sources, despite having strong savings or access to gift funds.
Google rating: 4.5 of 5 stars
Bankrate rating: 5 of 5 stars
Zillow rating: 4.9 of 5 stars

Built for Borrowers Like You1

A loan in a league of its own

Quontic’s non-traditional mortgage loans are a well-suited home financing option for those with good credit and a significant down payment but who require additional assistance due to paperwork gaps like a lack of W2s or tax returns. We simplify the mortgage process and assess the borrower’s full financial profile, not just stacks of statements.
Lite Documentation

Flexible income
documentation required


100% gift funds accepted for down payments and closing costs on investment property loans


Loan amounts

Up to $726,2002
Up To $3,000,000*

Minimum FICO score required


Minimum down payment required

As low as 3%

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

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 offer these types of home loans. Our mission is to level the lending playing field by making mortgages more equitable for communities that need them. Learn more about our unique CDFI designation here.

Frequently Asked Questions

Gift funds are monetary gifts a borrower receives from generous relatives to use towards the down payment and/or, possibly, other costs associated with purchasing a home. Funds received from grants or financial assistance companies cannot be used as gift funds. To learn more about gift funds, check out our guide “Using Gift Funds For A Down Payment”.
Yes, Quontic accepts 100% Gift Funds for down payment and closing costs for our Community Development Loans for eligible applicants.

Depending on which loan program you qualify for, you can have as little as a 20% down payment to own a home.

Depending on which loan program you qualify for, a statement of income may not be required.

No tax returns or W2s are needed to qualify for our Community Development Loans.

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.

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.

Mortgage rates can change every day. For the most current rates, please provide your contact information and we’ll have a mortgage specialist contact you. https://www.quontic.com/mortgages/speak-to-mortgage-specialist/
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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

Bankrate is a registered trademark of Bankrate, LLC. Google and the Google logo are registered trademarks of Google LLC. Zillow is a registered trademark of Zillow, Inc.