Foreign National

With this program, we are providing home loans for non-U.S. citizens anywhere in the 50 United States. We base our lending decisions on our assessment of the borrower’s overall capacity rather than the standard loan qualification metrics. Our loan products & services are customized to the individual borrower, providing fast, flexible solutions!

Income Verification

  • Wage-Earners: Signed letter from Accountant/CPA verifying description of business, title, length of employment, and last two years and year-to-date personal income (Must be in English)
  • Self-Employed: Signed letter from Employer verifying title, length of employment, and current yearly compensation (Must be in English)

Asset Verification

  • 1 Month U.S. bank statement evidencing funds to close plus 12 months PITI1 post-closing liquidity

Other Program Highlights

  • Available in all 50 United States
  • 70% to $1,500,000
  • 65% to $2,000,000
  • 60% to $2,500,000
  • 55% to $3,000,000
  • 60% Cash-Out to $1,500,000
  • No U.S. Credit Required
  • 1-4 Unit, Condo & Co-op
  • Non-Warrantable Condos
  • 5/1 ARM2, 7/1 ARM2, 15 or 30 Year Fixed

Call Us Today

Learn how our full line of loan programs can help your clients secure home financing



Owner Occupied - No Ratio

Quontic looks beyond the standard loan qualification metrics associated with traditional income and credit verification.

Investor Owned - Lite Doc

We are providing financing for diverse homeowners and real estate investors.

Investor Owned - No Ratio

Serving non-traditional prime borrowers by taking a holistic common sense approach to determining a borrower’s ability to repay

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. © 2020 Quontic Bank. All rights reserved.

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

March 12, 2020

1 Principal, interest, taxes & insurance

2 Adjustable-rate mortgage