We Know Condos & Co-Ops Like No Other

Purchase or refinance new or non-warrantable condos or co-ops.

Find the condo and co-op you want with guidance from our decades-long experience.

Program Highlights

Simple, fast, and hassle-free.
Here are a few program highlights to help you assess whether or not a Condo/Co-Op is right for you.
  • For purchase & refinance
  • Choice of fixed & adjustable rates
  • Investor & sponsor-owned OK
  • Flexible debt service ratio calculation
  • Asset depletion product available
  • Foreign National borrowers welcome
  • Will finance first unit sold (no pre-sale required)
Young couple smiling and signing paperwork provided by white-haired man in grey vest.

Condo & Co-op Loan Solutions

Unlike traditional mortgages, when you finance a co-op apartment there is no property deed involved. Instead, your co-op loan, or “share loan”, is used to buy shares of stock in a housing cooperative corporation which owns the building in which your desired apartment is located. Owning shares in the co-op corporation results in your being granted a long-term exclusive lease, or “Proprietary Lease”, on an apartment in the building. As a shareholder, or partial owner in the co-op corporation, you will be responsible to pay a monthly maintenance fee which covers your pro-rata portion of the building’s property taxes, interest expense, insurance costs and operating expenses.

Because co-ops are somewhat more complex that other types of real estate, not all lenders offer co-op loans, but Quontic is a community bank headquartered in New York City—where co-ops are abundant. As such, we understand the ins and outs of co-op lending and have developed a range of borrowing solutions specifically for these unique properties.

Contact Us Today

For questions or additional information, contact a Quontic Bank loan officer – or reach us via online form, email, or phone. Please fill out the from below or email us at

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If your reported income isn’t enough to get you the mortgage you need, our Owner Occupied  can help.


Do more with your home investment through a Home Equity Conversion Mortgage from Quontic.


Non-U.S. citizens can get their home away from home with Quontic’s Foreign National mortgage.

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. Other restrictions & limitations apply. 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. Information is accurate as of the date listed below and may change without notice.

October 17, 2019