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Quontic Adaptive Digital Bank

Mortgage solutions for real estate investors

No W2's or tax returns needed.

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Property
Purchase Details
Financing
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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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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

Mortgage Programs For Investors

Debt Service Coverage Ratio (DSCR) Loan

Qualify based on the cash flow generated from the investment property.

Lite Documentation Loans

Qualify with flexible, personal income documentation.

Asset Utilization Loans

Qualify using a comprehensive analysis of your total assets.

Foreign National Loans

Qualify as a non-US citizen who doesn’t live or work in the US.

DSCR Loan Highlights

Qualify using just the income generated by the investment property
First time investors are eligible
Single family, 2-4 units, planned unit developments, condos and condotels eligible

Invest in real estate with a loan unlike any other

As a Community Development Financial Institution (CDFI), Quontic can offer investment property loans other lenders cannot. Quontic’s unique investor loans provide financing options for borrowers in need of income documentation relief. We rely on other more objective factors, such as credit score and property income contributions. These one-of-a-kind mortgages are suited for real estate investors looking to take advantage of the hot rental market.
Conventional
Mortgage Loan1
Quontic Mortgage1
for Investors
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Flexible Income
Documentation Required

X
Check
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Loan Amounts

Up to $766,5502
Up To $2,000,000
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Minimum FICO Score Required

620
660
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Corporations and LLCs accepted

X
Check
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Minimum Down Payment Required

As low as 15%
25%

Information in this chart is applicable to the purchase of investment properties only and additional requirements may apply.

Quontic Bank Mortgages

Quontic Bank specializes in non-traditional mortgages for non-traditional borrowers – including foreign nationals. As a federally chartered digital bank and US Treasury designated CDFI, Quontic is one only a few mortgage lenders that can offer home loans with flexible documentation requirements.
  • Established in 2009
  • One of less than 3% of CDFI designated banks
  • A+ BBB rating and hundreds of 5 star reviews
  • Fast closing times and competitive rates
  • Thousands of loans funded across all 50 states
  • Experienced and diverse loan officers

Disclaimer:

1All 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.

2The Federal Housing Agency based on single unit as of September 3, 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