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'Lite Doc' loans

No tax returns needed!

Quontic Bank looks beyond the standard loan qualification metrics associated with traditional income and credit verification.

Rather, our 'Lite Doc' loan program looks at the borrower’s overall financial and credit profile as well as an eligible third party’s certification of the borrower’s income.

'Lite Doc' program guidelines overview

  • Primary, second, or vacation homes
  • 1-4 family, co-ops, condos, & PUDs1
  • Geographic exclusions apply
  • 65% maximum loan-to-value ratio for purchase of primary residence only
  • W-2 borrowers - Verification of Employment
  • 700 minimum credit score
  • Assets verification - 2 months’ bank statements (Family gifts acceptable)
  • Self-employed borrowers - Accountant’s letter & 12 month P&L2 (No tax returns or Form 4506)
  • Eligibility requirements, exclusions & other terms & conditions apply

At Quontic Bank, we make the mortgage process simple, fast and hassle-free!

Get more options

For more information, speak to your Quontic Bank loan officer. Call 1-800-908-6600.

Ready to borrow? Get started now or find a loan officer near you.


Other resources

Fixed rate mortgages
Adjustable rate mortgages
Portfolio loans
Foreign Nationals (Limited income verification!)
Condos & co-ops (New & non-warrantable OK!)
Jumbo & super jumbo
FHA loans (Low minimum down payment!)
VA loans
Reverse mortgages (Cash-out or home purchase)
Commercial Real Estate portfolio loans
First Home Club (Receive up to $7,500 toward your first home!)
Mortgage process
Mortgage checklist
Prequalify now

1Planned Unit Development, 2Profit & Loss Statement. Disclosure: 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. Prequalification provides you with an estimate of how much you can borrow to purchase a home, based on our preliminary review of credit information. This does not represent an offer to enter into a loan agreement. Other restrictions & limitations apply. Information is accurate & effective as of April 10, 2017 & is subject to change without notice.

Liliana Giraldo and mortgage customer Natasha Caicedo
"Liliana Giraldo has helped me with the process of getting a mortgage to buy a new house when no one was willing to," said Natasha Caicedo, a Quontic Bank mortgage customer.

Quontic Bank senior loan officer Steven Ho and mortgage customer Fuan Song.


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