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Faith-Based Partnership Loans

Expand your reach with ethical, partnership-based home financing.

Quontic’s Faith-Based Partnership Loan provides a transparent, shared-equity structure that allows brokers to serve a broader range of qualified borrowers while offering a financing option aligned with their values.

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

How It Works

No Interest. No Hidden Fees.

Our model is based on trust, not debt. Each month, the borrowers payment includes: a profit share and an equity payment that gradually reduces Quontic’s participation.

Partnership-Based Financing.

Instead of charging interest, Quontic enters into an equity share agreement with the buyers corporate entity. Quontic maintains an equity stake in the corporation and receives a share of the profits, which gradually reduces the bank’s equity over a defined period.

Faith-Based Structure.

Meeting the needs of borrowers seeking ethical alternatives to conventional mortgages.

Program Details

Income verification

  • Self-employed: 12 month PTIN or Accountant prepared P&L
  • Salaried: Quontic VOE1 of current income only
  • No tax returns or W2s required.

Asset verification

  • 1 month bank statement (covering at least 30 days)
  • 100% gift funds allowed for down payment and closing costs
  • Cash-out proceeds may be used towards reserves3

Borrower qualification

  • Minimum 660 FICO score (Minimum 660 for FTHBs)
  • Up to 50% DTI2

Program highlights

  • Purchase & rate/term refinance up to 80% LTV
  • Cash-out refinance up to 80% LTV, up to $1,500,000 cash-in-hand Proceeds
  • 1-4 units, condos, coops, PUDs
  • Loan amounts up to $3,000,000
  • Flexible terms

Why Brokers Choose Quontic

Today’s borrowers are looking for more choices than ever before. Quontic Wholesale’s Faith-Based Partnership Loans give you another way to meet their needs and differentiate your business.
  • No traditional interest
  • Asset-backed and transparent
  • Monthly payments build your equity
  • Fully compliant with U.S. banking laws
  • Available to all qualified applicants

Borrower Benefits

Maintain full ownership throughout the financing term
Clear, predictable payments
Equity increases with every payment
Option to pay off the remaining equity early

Tailored For

  • Self-Employed
  • Hospitality Professionals
  • Real Estate Investors
  • Commission Based Professionals
  • Delivery / Ride Share Workers
  • Freelancers / Contractors / Consultants

Ready to Learn More?

Start an application below or reach out to your dedicated Account Executive for more information
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Not an approved broker? Sign up now

Frequently Asked Questions

A conventional mortgage is a loan in which a lender provides funds to a borrower and charges interest over time. In this program, the home is held through a property-holding entity, and the financing is structured differently. The bank holds an equity interest in that entity, and over time your payments increase your ownership interest and reduce the bank’s interest, subject to the terms of the agreement.

Title is generally held through the entity used for the program structure rather than directly in your individual name. The bank does not directly hold title to the property. Instead, it holds an equity interest in the entity, while you have the right to live in the home and build value over time, subject to the program documents.

The answer is the way the transaction is structured. While the monthly amount may be similar to a mortgage payment, the payment components are defined differently under the program documents.

  • Equity Repurchase Amount: This portion of the payment increases your ownership interest over time by reducing the bank’s equity interest.
  • Profit Amount: This is the amount paid under the agreement for the bank’s participation in the arrangement. It is not described as interest on a conventional loan.
  • Escrow (if applicable): This covers amounts collected for property taxes and homeowners insurance.

Property taxes and homeowners insurance still need to be paid. If your account includes escrow, those amounts are collected as part of your monthly payment and then paid when due. A third-party servicer may help manage payment processing and escrow administration.

No. Escrow funds are kept in a non-interest-bearing account.

Your responsibilities for maintenance, repairs, and other property-related costs are described in the program documents. In general, routine upkeep and ordinary maintenance are your responsibility. The handling of major repairs will depend on the terms of your agreement and any servicing requirements.

You may be able to sell the home before the end of the term, subject to the program documents and any required approvals. In general, sale proceeds are first used to satisfy the bank’s remaining equity share and any other amounts due. Any remaining proceeds would then be distributed to you.

Yes. This program is designed as an alternative home financing option for customers seeking a partnership-based structure instead of a conventional interest-based mortgage.

A conventional mortgage is a loan with interest charged on the unpaid balance. In this program, the arrangement is structured differently under the program documents, and the bank’s return is described as profit under the agreement rather than interest on a conventional loan.

The monthly amount may be similar to other forms of home financing, but the legal structure, documentation, and payment mechanics are different. A portion of the payment increases your equity ownership interest over time, and a portion represents profit under the agreement.  The bank equity share diminishes over time.

No. The bank does not directly hold title to the property. Instead, it holds an equity interest in the entity used for the program structure.

The entity is used to support the legal structure of the program and to hold title in a manner consistent with the transaction documents.

Your rights to appreciation, sale proceeds, and other economic benefits are governed by the applicable agreement. In general, after satisfying the bank’s remaining interest and other amounts due, any remaining value is distributed as provided in the program documents.

The profit amount is established under the program documents and disclosed as part of your financing terms.

If a payment is late, fees or charges may apply in accordance with the servicing and program documents. Please review your loan and servicing disclosures for details about any late charges, administrative fees, and related amounts.

In many cases, yes. Early payoff or partial buyout may be available, subject to the program terms, operational requirements, and any minimum curtailment amounts that may apply.

Additional principal or curtailment payments may be allowed, subject to the program terms and any minimum amount requirements. Your servicer can explain the process and any applicable thresholds.

The program is generally designed to allow early buyout of the bank’s interest, subject to the terms of your documents. Customers should confirm the specific payoff process and any administrative requirements with the servicer.

If you are having trouble making payments, contact your servicer as soon as possible. Available options, if any, will depend on your circumstances, the program terms, and applicable servicing requirements.

Yes. Servicing may be transferred as with other home financing products; servicing may be transferred to another servicer in accordance with applicable law and servicing notices. The new servicer must abide by the terms and conditions quoted in the financing agreement.

You may receive year-end tax documentation if required by applicable law and based on how the transaction is reported. Because tax treatment can vary, we recommend consulting your tax advisor regarding deductibility and reporting.

Program availability depends on current product guidelines. Please contact the bank to confirm eligible transaction types, property types, and occupancy requirements. This program may also be used to refinance existing debt and access available home equity through cash-out proceeds.

Minimum down payment requirements depend on the program guidelines, property type, occupancy, and other underwriting factors.

Occupancy requirements depend on the specific product guidelines. Please confirm whether primary residence, second home, or investment use is permitted under the program.

Your servicer is generally the best point of contact for account-specific questions, including payment application, escrow, payoff requests, and account servicing.

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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. ©️ 2026 Quontic Bank. All rights reserved. 

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

1 VOE stands for Verification of Employment
2 Debt-to-Income

3 Cash-out proceeds may be used and applied towards reserves for loans with LTV of 70% or less and FICO of 720 or greater.

Inc. 5000 is a registered trademark of Mansueto Ventures LLC. B&T is an abbreviation for Banker & Tradesman, which is a copyright of The Warren Group. Zillow is a registered trademark of Zillow, Inc.