Quontic Bank (Non-QM Mortgage)
Bitcoin Mortgages
Quontic is an FDIC-insured community development bank headquartered in New York that specializes in non-qualified (non-QM) mortgages for borrowers with non-traditional income — including self-employed individuals, immigrants, and ITIN borrowers. Quontic uses asset-utilization underwriting, meaning Bitcoin and crypto holdings documented in statements can support loan qualification under asset depletion guidelines. Note: Quontic also operates a separate Bitcoin Rewards Checking Account (1.5% BTC cashback on debit purchases via NYDIG), but no dedicated Bitcoin Rewards Mortgage product has been confirmed.
Details
- Founded
- 2009
- Annual Fee
- $0
- Mortgage Type
- Bitcoin Rewards (earn BTC on payments)
- Mortgage Types
- Non-QM,Bank Statement,ITIN,Asset Utilization,Foreign National
- Bitcoin Rewards
- Yes
- States Available
- Select US states
- Actual Bitcoin Product
- Bitcoin Rewards Checking Account (1.5% BTC cashback on debit, via NYDIG)
- Bitcoin Rewards Mortgage Status
- UNCONFIRMED — no evidence this product exists
Links
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