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VA home loans for our nation's heroes1

Quontic considers helping to provide homeownership for our nation’s heroes a true privilege. Our VA home loans1 help military families finance the home of their dreams. This program provides 100% financing for eligible veterans.
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Zillow rating: 4.9 of 5 stars

Mortgages made for our military

Active-duty or veteran military service applicants and their spouses are eligible for our VA home loan program for both purchase and refinance. These government-backed mortgages offer benefits such as no private mortgage insurance, lower rates than conventional loans and require little to no down payment but there is an upfront “funding fee.” Eligible service applicants and veterans and their families can also utilize their VA loan benefits again once the original loan is repaid in full. As an approved VA Home Loan Lender, Quontic’s team of mortgage specialists are ready to help our servicemen and women have a place to call home.
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Loan Amounts

Up to $766,550
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Minimum Down Payment Required

As Low As 0%
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Flexible Terms

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Competitive Rates

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Available in All 50 States

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Recognized as a top mortgage lender

Quontic’s loan officers help make the loan process simple and seamless. With mortgage experience across multiple loan programs spanning decades, they are a diverse and multi-lingual team ready to walk you through each step of the mortgage process. And with hundreds of 5 star reviews from our customers, you can trust you’ll get a customized experience that makes your purchase or refinance goals a reality.

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Frequently Asked Questions

Depending on the applicant, a VA purchase loan may require little to no down payment.

VA loan requirements include, but are not limited to, providing a VA home loan Certificate of Eligibility (COE), meeting the standards for credit and income and living in the home you’re buying with the loan.

VA loans offer little to no down payment, usually better terms and interest rates, no need for Private Mortgage Insurance (PMI) or mortgage insurance premiums, usually better closing costs, and no penalty fee if you pay the loan off early.

No, Private Mortgage Insurance isn’t required for a VA loan but there is an up-front funding fee.

At Quontic, you’re more than just a loan application. We value all our customers’ diverse situations and embrace them with specialized mortgages made to fit their needs. Plus, in addition to being registered to lend in all 50 states, we offer a diverse and multi-lingual sales team, an experienced Mortgage Specialist at every step and convenient and helpful customer service.

Many experts recommend that your housing costs — including mortgage, taxes and insurance — should be no more than 28% of your monthly income. However, this rule of thumb may not work for everyone. To figure out how much you can afford to spend on a home, consider your household income, monthly debts and the amount you plan to use for a down payment.

Private Mortgage Insurance, or PMI, is an added insurance policy for homeowners who have a down payment that is less than 20%. PMI protects the lender if the borrower is unable to pay their mortgage. This insurance is not forever. It will either end automatically when a mortgage’s principal balance reaches 78% of the original appraised value of the home or the borrower can ask the lender for a new appraisal to validate that they have built up at least 20% equity in the home.

Getting pre-qualified for a mortgage helps you understand how much home you can afford and shows that you are a serious buyer. It also helps you find a lender that can work with you to select the right home loan with an interest rate that fits your needs.

Mortgage rates can change every day. For the most current rates, please provide your contact information and we’ll have a mortgage specialist contact you. https://www.quontic.com/mortgages/speak-to-mortgage-specialist/
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“My Loan Officer and his team were absolutely the best! He offered a solution that was superior to what I had before and said he would deliver within my timeframe. From inception to closing it only took 18 business days!!! I would definitely choose Quontic Bank again.”
- Chris C.
“The most amazing customer experience in 30 years! The focus on Customer Service isn’t just levels above the entire banking industry it’s unmatched anywhere! The loan offerings are exceptional. Quontic Bank is simply the best choice you’ll make for your banking needs.”
- Geraldine G.
“Great experience working with our Loan Officer and his team. They were very professional and efficient on our mortgage application process and helped us close the mortgage very quickly. Also love the nice package they sent us that included all the relevant documents about the house. Highly recommended.”
- Yifu H.
“Our Loan Officer and his team at Qunotic Bank were amazing to work with on our mortgage. As first time homeowners, they made the process so easy and seamless. Communication skills are A+++. Their efforts exceeded all of our expectations and we were able to close much sooner than we thought.”
- Luciann I.
“Our Loan Officer and his team were extremely professional, knowledgeable and very quick to assist. They made the refinancing experience seamless and painless. Thanks!!”
- Theo E.

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Disclaimer:

1Quontic Bank is not affiliated with or acting on behalf of or at the direction of Veterans Affairs (VA) or any government agency or government sponsored entity. 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 & is subject to change without notice.

Bankrate is a registered trademark of Bankrate, LLC. Google and the Google logo are registered trademarks of Google LLC. Zillow is a registered trademark of Zillow, Inc.

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