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'Lite Doc' loans

No tax returns needed! No IRS Form 4506!

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 on loan amounts of up to $3 million
  • 75% maximum loan-to-value ratio & 700 minimum credit score*
  • 65% maximum loan-to-value ratio & 680 minimum credit score*
  • Self-employed borrowers - Accountant’s letter & 12 month P&L2 (No tax returns or Form 4506)
  • W2 borrowers - Verification of Employment
  • Assets verification - 1 month bank statements (Family gifts acceptable)
  • Eligibility requirements, exclusions & other terms & conditions apply

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

Learn more

For questions or additional information, contact a Quontic Bank loan officer—or reach us by online form, email or phone.

By online form
Loan inquires
Prequalify for a mortgage

By email
Customer service:
Loan inquires:

By phone
Customer service: 1-800-908-6600

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
Contact us

1Planned Unit Development, 2Profit & Loss Statement. *Applicable to primary residence purchase with maximum loan amounts up to $1,500,000. 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 January 30, 2018 & 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 C. , a Quontic Bank mortgage customer.

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


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