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ITIN

Investor

At Quontic, we make investing easier for ITIN borrowers—no Social Security number required! As a CDFI lender, we don’t qualify borrowers based on tax returns, W2s, or excessive bank statements. Instead, we take a flexible, full-picture approach to qualification—helping your clients expand their real estate portfolio with ease.
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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

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.
  • Lite Doc only
  • Subject property does not need positive cash flow

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 680 FICO score
  • Up to 50% DTI3

Program highlights

  • Purchase & Rate/Term Refinance up to 75% LTV4
  • Cash-out refinance up to 70% LTV
  • Loan amounts up to $1,000,000
  • No coops
  • Cannot own more than 5 properties
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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.

February 10, 2025
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.