Now
Get pre-qualified in minutes
Mortgage Loans That Work as Hard as You Do
You bid the job, do the work, and get it done right. Getting a mortgage should be that straightforward. Qualify with your real income and get pre-approved in minutes. No tax returns, no W2s, no traditional paperwork required.
Finally, a Mortgage That Works Like You Do
Contractors, electricians, plumbers, landscapers, painters, owner-operators: if you earn 1099, you belong here.
Built for 1099 income
No W2 or tax returns required
Minimum 660 FICO Score
Fast approval
Get Pre-Qualified in Minutes
Qualify with your real income.
Instant pre-qualification
Smart income analysis (even when work comes in job-by-job)
No guesswork or long delays
How It Works
5.0 ratings
by customers
"I was extremly happy with the service that my loan officer and her team provided during my homepurchase. These outstanding ladies were friendly, knowledgeable & responsive to every question I had about my loan throughout the entire process which alleviated a lot of stress for me. I would definitley be thrilled to work with them again if needed in the future."
Joe
Product Lead
Tiffanie C.
Frequently Asked Questions
How do I get started with a Non-Traditional Mortgage?
The first step is to get pre-qualified. Tell us more about you in 60 seconds or less so we can connect you with a Quontic mortgage specialist.
I'm self-employed and don't have W2s. Can I still qualify?
What are gift funds?
Does Quontic accept gift funds?
Why should I get my mortgage through Quontic Bank?
Why is it important to get pre-qualified for a mortgage?
Fast Pre-Qualification