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23

Days to CTC
with Fast Track

7

Unique
Programs

4

Ways to
Qualify

Scotsman Guide

Grow your business
with Quontic Wholesale

As a Community Development Financial Institution (CDFI), Quontic has the unique opportunity to service your difficult to document income borrower. With our wide variety of loan programs, Quontic has a program for your non-QM lending needs. Join our growing approved network today.
Become an approved broker

The information on this page is provided for the benefit of mortgage professionals and not intended for vonsumers or the general public.

Benefits that come with your Quontic partnership

When you become a Quontic approved broker, you unlock exclusive benefits that maximize your turn times by allowing your clients to be approved faster like:

Access to
Fast Track

Easy to Use
Quontic Qualifier

Non-QM Lending to
all 50 states

Quontic's New Expedited Loan Closing Program

Quontic’s fast turn times are now turbo charged with Fast Track.
Learn more
INITIAL UNDERWRITING
CONDITIONS
CLEAR TO CLOSE
FAST TRACK TURN TIMES
24 HOURS
24 HOURS
24 HOURS
AVERAGE TURN TIMES
48 HOURS
48 HOURS
48 HOURS
FAST TRACK TURN TIMES
AVERAGE TURN TIMES
INITIAL UNDERWRITING
48 HOURS
2 DAYS
CONDITIONS
48 HOURS
2 DAYS
CLEAR TO CLOSE
48 HOURS
3 DAYS

*Turn times as of 8/24/2022

Mortgage loans in a
league of their own

Owner-occupied

As a CDFI, we serve the underbanked and understand that old tax returns don’t tell the borrower’s whole story. We validate a borrower’s income with a unique approach to qualifying their ability to repay.

Lite Doc

  • No tax returns, W2s or pay stubs required
  • 12 month CPA / accountant prepared P&L
  • Up to 80% LTV; Up to 50% debt-to-income
Learn more

12-Month Bank Statement

  • 12 months personal, business or draft account or latest year’s 1099 tax form
  • No tax returns or W2’s required
  • Up to 80% LTV; Up to 50% debt-to-income
Learn More

Investor

We understand that as a real estate investor some deals are time-sensitive and paperwork can be hard to wrangle. As a CDFI, we serve the underbanked and look beyond the basics of a borrower.

DSCR

  • Qualify using subject property income ONLY
  • No tax returns or W2s required
  • Up to 75% LTV
Learn More

Lite Doc

  • 12 month CPA / accountant prepared P&L
  • Property does not need positive cash flow; Use employment income to offset shortage
  • Up to 75% LTV; Up to 50% debt-to-income
Learn More

What is Lite Doc and how to qualify

Quontic’s Lite Doc program is unlike anything else the industry has to offer. We’re able to qualify those who have difficult-to-document income, as long as their credit history is strong. To learn more, watch this recording of a webinar we recently hosted for our Approved Brokers.

Become an approved broker

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. © 2020 Quontic Bank. All rights reserved.

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

August 8, 2022