ITIN Home Loans
We understand how difficult it can be to qualify for a mortgage when you don’t have a social security number. That’s why we want to make the process as easy as possible for you. As a Community Development Financial Institution (CDFI), we accept alternative documentation, which means you don’t need tax returns, W2s or stacks of bank statements to qualify. Let us help make your dream of homeownership a reality.
Who is eligible for an ITIN Mortgage
Borrowers who are not currently US Citizens
Borrowers who are not Permanent Residents
Borrowers who have expired eligible EADs/VISAs
A mortgage to match your mindset
12 Month CPA / Tax Prepared P&L accepted
Recognized as a top mortgage lender
Mission driven and federally certified
Frequently Asked Questions
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.
"The loan team at Quontic Bank was fantastic! They helped me and my family to buy our first house. As immigrants, we have experienced many difficulties and obstacles, but they walked us through the best path and today we can say we own our own house. Highly recommended bank. Thank you."
"My loan officer and his team looked after me from A-Z. I was extremely glad as a person with non-US sourced income to be able to buy my dream apartment in NYC – without Quontic’s focus on niche borrowers like me, I quite simply would not have been able to purchase my new West Village home. Thank you, Quontic!"
“Despite having a substantial down payment and excellent credit score, I was turned down by other institutions because I did not meet their income requirements, so I called Quontic Bank. They specialize in loans that are made for investors or buyers who cannot meet conventional mortgage requirements. Thank you. Quontic.”
"I had a great experience with my loan officer. Everyone was responsive, thorough, and professional. They were able to provide a loan based on my specific needs, which was not possible through other lenders. Highly recommend and will be coming back again in the future."
"Excellent! I can’t believe it, I got my new home on time, 30-years fixed rate and no income check! I live in California, no matter they are in NY, all process we are doing by phone and email. They are professional. They know what documents need and help you to reach it. Thank so much to them!"
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 February 1, 2023 & is subject to change without notice.
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