A mortgage made for gig workers

Whether you’re a full-time gig worker or supplementing your income, qualifying for a mortgage may be easier than you think. Quontic’s Non-Traditional Mortgages1 were created with borrowers like you in mind. Even if you don’t have the types of documentation other lenders require, we may be able to help.

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Home loans for gig workers

Quontic offers Non-Traditional Mortgages for workers who earn income through freelancing, contract work and gig apps like Uber, Instacart and Fiverr. We simplify the process even if you have inconsistent or difficult-to-document income. The requirements to get a mortgage as a gig worker are flexible, with a minimum FICO credit score of just 660 and the option to use gift funds to cover up to 100% of the down payment and closing costs.

Simpler mortgages for gig workers

In 2015, Quontic became a US Treasury-designated Community Development Financial Institution (CDFI) and began its journey to help those who don’t fit the traditional mold. With the CDFI designation, we can accept alternative documentation from borrowers with strong credit and a substantial down payment to qualify. We take your full financial profile into consideration, not just W2s, tax returns and bank statements.
Non-Traditional Mortgages

Flexible income
documentation required


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


Loan amounts

Up to $726,200*
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.

*The Federal Housing Agency based on single unit as of January 1, 2023

**A loan up to $3,000,000 requires minimum 30% down payment and minimum FICO score of 740 for qualified applicants.

***20% Down payment required minimum 660 credit score and has a maximum $1.5 million loan amount.

A home loan to match your mindset


12 Month CPA / Tax Prepared P&L accepted


As a CDFI, we accept alternative income documentation to qualify, not just tax returns or W2s

Only 1 year of consistent self employed income and in the same line of business for two years

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

The first step is to get pre-qualified. Tell us more about you in 60 seconds or less so we can connect you with a Quontic mortgage specialist. https://www.quontic.com/mortgages/cdl-mortgage-prequalify/
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 Non-Traditional Mortgages for eligible applicants.

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.


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 December 9, 2022 & is subject to change without notice.

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