fbpx
Quontic

Mortgage Login

Banking Login

Open an account

Choose account

Continue application

Industry Leading Home Equity Loans

Tap into your home's equity with a second mortgage to get a one-time, lump sum payout.

  • Secure Form
Property
Purchase Details
Financing
Contact

You're 60 seconds away from seeing if you prequalify for a home equity loan.

"*" indicates required fields

What type of property do you have?*
How is the property used?*
Quontic is committed to providing flexible income documentation options. Which best describes you?*
What is your estimated credit score?*
Your Current Address

You're Almost Done!

Enter your information below to view your results.

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

Home Equity Loans for Diverse Borrowers

As a federally chartered digital bank and US Treasury designated Community Development Financial Institution (CDFI), we’re one of only a few mortgage lenders that can help meet the lending needs of both traditional, W2 and salaried borrowers and those with inconsistent or difficult-to-document income. We assess our home equity loan borrowers full financial profile, not just bank statements, W2s, and tax returns.
Full Doc
Home Equity Loan
Lite Doc
Home Equity Loan
documents-icon.png

Accepts flexible income documentation

X
Check
gift-icon.png

Eligible for Investment Properties

Check
X
gift-icon.png

Eligible for Second Home Properties

Check
X
dollar-slider-icon.png

Loan Amounts

Up to $500,000
(minimum $100,000)
Up To $350,000
(minimum $100,000)
dollar-house-icon.png

Reserves Required

No
Yes
speedometer-icon.png

Minimum FICO score required

680
680
Not eligible for properties located in Texas & Tennessee

Top uses for home equity loans

  • Finance large purchases
  • Put a down payment on a second home
  • Finance home improvements
  • Pay for higher education costs
  • Consolidate debt

Disclaimer:

1The Federal Housing Agency based on single unit as of August 15, 2024

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.

Quontic
Facebook-f Linkedin-in Instagram Youtube
Trustpilot

Finances at your fingertips

App Store Link

Download the Quontic app

ABOUT US

RESOURCES

HELP CENTER

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

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