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ITIN Loans
Made Easy

No social security number or visa needed. Verify income with a short P&L or simple Verification of Employment. No bank statement or W2’s needed.
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Learn More about ITIN
The information on this page is provided for the benefit of Mortgage Professionals and not intended for Consumers or the general public.
Scotsman Guide

Top Workplace

NMP Magazine

Best places to work in mortgage

Quontic Wholesale Mortgages

As a mission-driven CDFI, Quontic is one of the fastest growing wholesale lenders in the country. Join the the many brokers who are growing their business with Quontic Wholesale.

Mortgage loans in a
league of their own

Owner-occupied

As a CDFI, we serve the underbanked and understand that old tax returns don’t tell the borrower’s whole story. We validate a borrower’s income with a unique approach to qualifying their ability to repay.

Lite Doc

  • No tax returns, W2s or pay stubs required
  • 12 month CPA / Accountant prepared P&L
  • Up to 80% LTV; Up to 50% debt-to-income
Learn more

ITIN

  • 1 month bank statement (covering at least 30 days)
  • Up to 80% LTV; Up to 50% debt-to-income
  • No tax returns or W2s required
Learn more

Investor

We understand that as a real estate investor some deals are time-sensitive and paperwork can be hard to wrangle. As a CDFI, we serve the underbanked and look beyond the basics of a borrower.

DSCR

  • Qualify using subject property income ONLY
  • No tax returns or W2s required
  • Up to 75% LTV
Learn more

Lite Doc

  • 12 month CPA / Accountant prepared P&L
  • Property does not need positive cash flow; Use employment income to offset shortage
  • Up to 75% LTV; Up to 50% debt-to-income
Learn more

Upcoming events

WEBINAR

November 2024 webinar
coming soon

How ITIN Borrowers Can Boost Your Non-QM Production

October 24th, 2024
2PM EST

Register
More Webinars

TRADESHOW

To be announced

 

NAMB National 2024
October 18 – 21, 2024
Caesar’s Las Vegas
Booth #836 & #838

More Tradeshows
“The whole team goes over and above on every single file. They will push for us as well as offer great advice on conditions and program specifics. I can not emphasize enough how not only are they the very best team, but they also are truly enjoyable to work with... Best team EVER.”
- Melissa F.

The benefits of working with
Quontic Wholesale

Fast closings

Speed matters. With our flexible income solutions, we remove the red tape and make it easier to close loans faster.

Access to unique loans

As a U.S. Treasury designated Community Development Financial Institution (CDFI), Quontic provides access to home financing for those who may require down payment assistance and alternative income documentation to qualify.

Become an approved broker

Not sure if you are already an approved broker? 

Call us at 1-888-738-9016 or email [email protected] to find out.

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Disclosure:

This information is provided for the benefit of mortgage professionals and not intended for consumers or the general public.

All lending products are subject to credit & property approval. Rates, program terms & conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions & limitations apply. Quontic Bank name & logo are registered trademarks. © 2024 Quontic Bank. All rights reserved.

Information is accurate as of the date listed below and may change without notice.

November 4, 2024