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ITIN
Owner-Occupied

What sets Quontic’s ITIN program apart from the others? As a CDFI, we don’t rely on a borrower’s tax returns, W2s or stacks of bank statements to determine if they have the ability to repay. Instead, we take their full financial profile into consideration. Let us help make your client’s dream of homeownership a reality.
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View guidelines

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

Zillow 2022 rating: 4.9 of 5 stars
Inc. 5000 Fastest Growing Private Companies 2022
B&T Fast 50 Residential Volume & Number 2022
2 Hour Scenario Guarantee

Submit your borrower’s scenario between 9 a.m. and 4 p.m. EST
Monday – Friday and we’ll get back to you with options in two hours or less.

Submit a scenario
Submit your borrower’s scenario between 9 a.m. and 4 p.m. EST Monday-Friday and we’ll get back to you with options in two hours or less.
Submit a scenario

Program Details

Income verification

  • Self-employed: 12 Month CPA / accountant prepared P&L
  • Salaried: Quontic VOE1 of current income only
  • No tax returns or W2s required.
  • Lite Doc only

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
  • Up to 50% DTI

Program highlights

  • Purchase up to 80% LTV4
  • Rate/Term Refinance up to 80% LTV4
  • Cash-out refinance up to 80% LTV
  • Up to $1,000,000 cash-in-hand proceeds
  • Primary and second homes allowed
  • Loan amounts up to $1,000,000
  • No coops
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Borrowers that love ITIN

Borrowers who are not currently US Citizens

Borrowers who are not Permanent Residents

Borrowers who have expired eligible EADs/VISAs

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.

October 31, 2024
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.

4 Maximum LTVs subject to minimum FICO and maximum DTI requirements
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.