Welcome to Quontic Correspondent Lending
As a mission-driven Community Development Financial Institution (CDFI) licensed in all 50 states, Quontic Correspondent Lending offers innovative solutions for non-traditional borrowers. Our programs are designed to provide flexibility and speed, ensuring that you can meet the unique needs of your clients efficiently.
About Us
Quontic Correspondent Lending is the newest extension of Quontic Bank’s mission to serve those often overlooked by traditional financial institutions.
As a federally chartered, FDIC-insured Community Development Financial Institution (CDFI), we specialize in providing innovative mortgage solutions for credit-worthy borrowers who fall outside the agency box.
With a legacy of success in wholesale and retail lending, Quontic brings its forward-thinking approach and flexible underwriting philosophy to the correspondent space.
We partner with mortgage bankers, credit unions, and financial institutions nationwide to deliver:
- Competitive pricing and programs
- Fast and reliable turn times
- Hands-on support and training
- Technology designed to make your life easier
Whether your clients are self-employed, investors, or foreign nationals, Quontic is your partner in closing more loans and growing your business.
Join us in redefining what’s possible in mortgage lending. Our Loan Programs
Owner-Occupied Loans
- Owner Lite Doc:
No tax returns or W-2s required; 100% gift funds accepted. - Owner Asset Utilization:
Qualify based on liquid assets rather than income. - Owner ITIN:
No SSN needed; alternative trade lines acceptable; up to 80% LTV.
Investor Loans
- Investor Lite Doc:
No tax returns or W-2s required; loan amounts up to $3 million. - Investor Asset Utilization:
Qualify based on assets; ideal for seasoned investors. - Investor ITIN:
No SSN needed; alternative documentation accepted. - Investor DSCR:
Qualify using subject property income only; no DTI calculated. - Investor Foreign National:
Tailored solutions for non-U.S. citizens investing in U.S. real estate.
Specialty Programs
- Home Equity Loan (HELOAN):
Expanded eligibility with higher loan amounts and increased CLTVs. - Texas A6 Cash Out Refinance:
Compliant solutions for Texas homeowners.
Tools & Resources