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'Lite Doc' loans

At Quontic Bank, we look beyond the standard loan qualification metrics associated with traditional income and credit verification. Instead, we base lending decisions for our 'Lite Doc' loans on our assessment of the borrower's overall capacity. Our loan products and services are customized to the individual borrower, providing fast, flexible borrowing solutions.

'Lite Doc' program guidelines

  • Owner occupied properties only (1-4 family, condo & co-op)
  • 60% maximum loan-to-value ratio
  • 700 minimum credit score
  • W2 borrowers - Verification of Employment
  • Self-employed borrowers - Accountant's letter & 12 months' profit & loss statement (No. 4506)
  • Assets verification - 2 months' bank statements (family gifts acceptable)
  • Post-closing liquidity - Minimum of 12 months' principal, interest, taxes & insurance (PITI) required
  • Must maintain 6 months' PITI in a Quontic Bank Simple checking account
  • Eligibility requirements, exclusions & other terms & conditions apply

And we don’t just help you find the right mortgage; we do all we can to 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
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

Disclosure: 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. Loans subject to credit approval. Not all loan products or terms are available in all states. Normal credit qualifications and other terms and conditions apply. Products, rates & terms subject to change without notice. Information is accurate & effective as of September 2016 & 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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