Home Loans For
Simpler Mortgages For Self-Employed 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.
Community Development Loans
Little To No Income
Self-prepared Profit & Loss Statements
100% Gift Funds Accepted For
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.
*A loan amount up to $3,000,000 requires 30% down payment and a FICO score of 700.
**20% down payment requires a minimum 720 credit score and has a maximum $1.5 million loan amount.
A Home Loan To Match Your Mindset
As a CDFI, we accept alternative income documentation to qualify, not just tax returns or W2s
A 12 month self-prepared profit and loss statement allowed for self-employed borrowers
Corporations and LLCs are accepted for investment properties
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/cdl-mortgage-prequalify/
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.
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 September 24, 2021 & is subject to change without notice.
Apple Pay is a registered trademark of Apple Inc. ©2018 Google LLC, used with permission. Google and the Google logo are registered trademarks of Google LLC. The Samsung Pay® logo are registered trademarks of Samsung Electronics Co., Ltd. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.