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 learn more!

Income Verification

  • No statement of employment or income required

Asset Verification

  • No asset verification required

Other Program Highlights

  • 18 month 0x30 payment history on subject mortgage
  • Loans ≤ $400,000: AVM2 and property inspection only
  • Max LTV: 80% with 700 FICO
    -1-2 Family homes only
  • 5/1 ARM1, 7/1 ARM1, 15 or 30 Year Fixed
  • Loans up to $3,000,000

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Learn how our full line of loan programs can help your clients secure home financing



Investor Owned - Lite Doc

We are providing financing for diverse homeowners and real estate investors.

Investor Owned - No Ratio

Serving non-traditional prime borrowers by taking a holistic common sense approach to determining a borrower’s ability to repay

Foreign National

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

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 26, 2020

1 Adjustable-rate mortgage

2 Automated valuation model