Owner Occupied

With this program, we are providing non-traditional access to prime capital fostering homeownership for diverse underbanked individuals and families. See below for some of the key highlights of this program and download the program flyer to see more!

Income Verification

  • Self-Employed: 12 Month Borrower Prepared P&L
  • Salaried: Quontic VOE2 of Current Income Only
  • No Tax Returns or W2s
  • Up To 80% LTV
    -Debt-to-Income to 50%
    – PITI1 reduction for 2-4 units
  • This is NOT a Bank Statement Program

Asset Verification

  • 1 Month Bank Statement
  • 3 Month PITI1 Reserves
  • 100% Gifts Acceptable

Other Program Highlights

  • Max LTV:80% with 700 FICO
    – Single family only
  • Purchase & Cash-Out Refinance
  • No Cash-Out Restrictions
  • 1-4 Units, 2nd Homes, Condos & Co-ops
  • Non-Warrantable Condos: No Pre-Sale to 65% LTV
  • 5/1 ARM3, 7/1 ARM3, 15 or 30 Year Fixed
  • 700 FICO to $3,000,000 with 75% LTV
  • 660 FICO to $2,000,000 with 65% LTV
  • Interest only available on all loan terms expect 15 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.

Foreign National

Providing home loans for non-U.S. citizens anywhere in the 50 United States

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.

February 28, 2020

1 Principal, interest, taxes & insurance

2 Verification of employment

3 Adjustable-rate mortgage