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Mortgage loans for today's dynamic borrower

We give difficult loan applications the chance they deserve. Take a look at our non-QM loan products.
As a CDFI, Quontic can offer loans other banks cannot. We offer a variety of loan programs which accept alternative income and/or credit documentation to qualify more of your non-traditional borrowers for both owner-occupied and investor properties.
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The information on this page is provided for the benefit of mortgage
professionals and not intended for consumers or the general public.

Lite Doc
Owner-occupied

  • Self-employed: 12-month CPA/accountant prepared P&L
  • Salaried: Quontic VOE with current income ONLY
  • No tax returns or W2s required
  • Up to 80% LTV; up to 50% DTI1
  • 100% gifts allowed for down payment and closing costs
  • 1-4 Units, condos, coops, and PUDs. Includes second homes2
Learn more
Start An Application

Asset Utilization
Owner-occupied

  • Use post-closing assets to qualify income
  • No statement of employment required
  • Loan amounts up to $3,000,000
  • Up to 80% LTV; up to 50% DTI1
  • 1-4 units, condos, coops, and PUDs. Includes second homes2
Learn more
Start an application

12-Month Bank Statement
Owner-occupied

  • Personal, business or draft account reflecting
    • Consecutive 12 month period
    • 1099 tax form
  • No tax returns or W2s required
  • Up to 80% LTV; up to 50% DTI1
  • 100% gifts allowed for down payment and closing costs
  • 1-4 units, condos, coops, and PUDs2
Learn more
Start an application

ITIN
Owner Occupied

  • Individual Tax Identification Number (ITIN) accepted
  • Self-employed: 12-month CPA/accountant prepared P&L
  • Salaried: Quontic VOE with current income ONLY
  • No tax returns or W2s required
  • Up to 79% LTV; up to 50% DTI1
  • 100% gifts allowed for down payment and closing costs
  • 1-4 Units, condos, and PUDs. Primary residence only.2
Learn more
Start an application

Lite Doc
Investor

  • Self-employed: 12-month CPA/accountant prepared P&L
  • Salaried: Quontic VOE with current income ONLY
  • No tax returns or W2s required
  • Subject property doesn’t need positive cash flow
  • Up to 75% LTV; up to 50% DTI1
  • 100% gifts allowed for down payment and closing costs
  • 1-4 units, condos and PUDs
Learn more
Start an application

Asset Utilization
Investor

  • Use post-closing assets to qualify income
  • No statement of employment required
  • Subject property doesn’t need positive cash flow
  • Loan amounts up to $3,000,000
  • Up to 75% LTV; up to 50% DTI1
  • 1-4 units, condos, and PUDs2
Learn more
Start an application

DSCR
Investor

  • Qualify using subject property income ONLY
  • Minimum 1.00x DSCR: up to 75% LTV
  • No DTI1 or global calculated
  • No tax returns or W2s required
  • No statement of employment or income required
  • 100% gifts allowed for down payment and closing costs
  • 1-4 units, condos, and PUDs
Learn more
Start an application

Foreign National
Investor

  • Two ways to qualify:

    1. DTI:
      • Up to 50% DTI1
      • Self-employed: Letter from CPA/accountant or auditor stating last 2 years’ and YTD income
      • Salaried: Letter from employer stating current annual compensation
    2. DSCR:
      • Minimum 1.00x DSCR.
      • No statement of employment or income required
  • No credit or reference letters required
  • Up to 65% LTV
  • 100% gifts allowed for down payment and closing costs
  • 1-4 units, condos, and PUDs
Learn more
Start an application

The benefits of working with
Quontic Wholesale

Quick turn times

We’ve removed the red tape to make sure we close loans faster. Quontic’s fast turn times are now turbo charged with Fast Track.
Learn more.

2 Hour Scenario Guarantee

Fast scenario reviews

We’re committed to helping you find solutions for your clients… fast. Send us 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

Access to unique loans

As a U.S. Treasury designated Community Development Financial Institution (CDFI), Quontic provides access to home financing for those who may require down payment assistance and alternative income documentation to qualify.

Become an approved broker

Not sure if you are already an approved broker? 

Call us at1-888-738-9016 or email [email protected] to find out.

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. © 2023 Quontic Bank. All rights reserved.

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

May 16, 2023
1 Debt-To-Income

2 See guidelines for property type and LTV limits