Finally, a Mortgage That Works Like You Do
If your income doesn’t fit a traditional box—you’re exactly who this is for.
Built for 1099 income
No W2 or tax returns required
Minimum 660 FICO Score
Fast digital approval
Get Pre-Approved in Minutes–Not Months
AI analyzes your finances in real time for instant approval.
Instant pre-qualification
Smart income analysis (even with fluctuating earnings)
No guesswork or long delays
Built for Non-Traditional Earners
Built for Rideshare Income
Non-Traditional Mortgage
Get Pre- Approved with AI
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 abou tmy 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.
Jame L.
CTO
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.
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-Approval