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Quontic Adaptive Digital Bank

Flexible Documentation Mortgage Refinance

No W2's or tax returns and limited income verification required.

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Purchase Details
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See if you pre-qualify in 60 seconds

"*" indicates required fields

Are you purchasing a home or refinancing?*
Do you want cash out?
What type of property will it be?
How will the property be used?
Where are you in the purchase process?
Where are you in the refinance process?
Quontic is committed to providing flexible income documentation options. Which best describes you?
Down payments of 20% or more may not require tax returns.
Have you paid off at least 20% of your current mortgage loan?
What is your estimated credit score?*
Your Current Address

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This prequalification provides an estimate based on a preliminary review of the provided information. This does not represent an offer to enter into a loan agreement. Loans are subject to credit approval and availability. By providing your phone number, you’re giving Quontic permission to use it to call and/or text message you regarding our products and services. While we won’t charge you for the calls or text messages, your service provider may depending on your plan.

This field is for validation purposes and should be left unchanged.
Google rating: 4.5 of 5 stars
Top Mortgage Lenders Scotsman Guide
Zillow rating: 4.9 of 5 stars
Top Mortgage Lenders Scotsman Guide

Mortgage Refinancing for Non-Traditional Borrowers

With a home refinance from Quontic Bank, you could lower your monthly payment or get cash out to update and improve your home. Quontic’s team of mortgage specialists are here to help you find the best type of loan that can meet your refinance goals and guide you through the entire refinance process.
Conventional
Mortgage Loan
Quontic Mortgage
for Refinancing

Flexible Income
Documentation Required

X
Check

Accountant-Prepared Profit & Loss
Statement for Small Business Owners

X
Check

100% gift funds accepted for down payments and closing costs, including on investment property loans

X
Check

Loan Amounts

Up to $766,5501
Up To $3,000,000*

Minimum FICO Score Required

620
660

Minimum Equity in the Home Required

As low as 3%
20%**

Information in this chart is applicable to the refinance of a primary residence only and subject to additional requirements.

*A cash-out loan up to $3,000,000 requires minimum 35% equity and minimum FICO score of 740.

**20% equity required minimum 660 credit score and has a maximum $1.5 million loan amount.

Types of Non-Traditional Borrowers

  • Self-Employed or Small Business Owners
  • Gig Workers, Freelancers or Consultants
  • Commission or Cash Based Earners
  • Non-US Citizens
  • Seasonal Workers
  • Retirees and Investors

Types of Non-Traditional Mortgage Programs

  • Lite Documentation Loan
  • Asset Utilization Loan
  • DSCR Loan
  • ITIN Loan
  • Foreign National Loan

Mission driven & federally certified

As a federally chartered digital bank and US Treasury designated Community Development Financial Institution (CDFI), Quontic Bank is one of only a few mortgage lenders that can offer home loans with flexible documentation requirements. Since 2009 our mission is to level the lending playing field by making mortgages more equitable for communities that need them.

Disclaimer:

1The Federal Housing Agency based on single unit as of January 1, 2023

All lending products are subject to approval. Rates, program terms & conditions are subject to change without notice. Not all products are available in all states or for all amounts. This does not represent an offer to enter into a loan agreement. Other requirements, restrictions & limitations apply. Information is accurate as of August 15, 2024.

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High Interest Checking Account is a conditional tiered variable rate account wherein you must deposit $100.00 to open this account. After fulfilling the minimum qualifying activity requirements per statement cycle of 10 qualifying Point of Sale debit card transactions equal to or over $10.00 per transaction, the 1.10% annual percentage yield (APY) applies to all balance tiers, which are identified as $0–$150,000, $150,000.01–$1,000,000 and balances over $1,000,000. If the qualifying activity requirement is NOT fulfilled, the annual percentage yield on the balance will be 0.01%. Ask for details. Additional terms, conditions, fees & exclusions may apply. Rates may change without notice. If the account is closed before interest and/or bonus is credited, accrued interest and/or bonus may be forfeited for that statement cycle. Fees could reduce earnings. The following activities are not considered qualifying POS debit card transactions and do not count toward earning rewards: ATM- processed transactions; transfers between accounts; purchases made with debit cards not issued by our bank; cash over portions of point-of-sale transactions; Peer-to-Peer (P2P) payments (such as Apple Pay Cash*); loan payments or account funding made with your debit card and purchases made using third-party payment accounts. Transactions may take one or more business days from the date the transaction was made to post and settle to an account. Online Account Opening is only available to consumers. Data connection required to open an account online. Carrier fees may apply. Application is subject to approval. Information is accurate as of May 31, 2022 and may change without notice.
You’re only seconds away from finding out if you pre-qualify. There’s no credit check or obligation to apply for a loan. So, what are you waiting for?
Finish

Wait, don’t go

High Interest Checking Account is a conditional tiered variable rate account wherein you must deposit $100.00 to open this account. After fulfilling the minimum qualifying activity requirements per statement cycle of 10 qualifying Point of Sale debit card transactions equal to or over $10.00 per transaction, the 1.10% annual percentage yield (APY) applies to all balance tiers, which are identified as $0–$150,000, $150,000.01–$1,000,000 and balances over $1,000,000. If the qualifying activity requirement is NOT fulfilled, the annual percentage yield on the balance will be 0.01%. Ask for details. Additional terms, conditions, fees & exclusions may apply. Rates may change without notice. If the account is closed before interest and/or bonus is credited, accrued interest and/or bonus may be forfeited for that statement cycle. Fees could reduce earnings. The following activities are not considered qualifying POS debit card transactions and do not count toward earning rewards: ATM- processed transactions; transfers between accounts; purchases made with debit cards not issued by our bank; cash over portions of point-of-sale transactions; Peer-to-Peer (P2P) payments (such as Apple Pay Cash*); loan payments or account funding made with your debit card and purchases made using third-party payment accounts. Transactions may take one or more business days from the date the transaction was made to post and settle to an account. Online Account Opening is only available to consumers. Data connection required to open an account online. Carrier fees may apply. Application is subject to approval. Information is accurate as of May 31, 2022 and may change without notice.
You’re only seconds away from finding out if you pre-qualify. There’s no credit check or obligation to apply for a loan. So, what are you waiting for?
Finish