Every program below is priced and underwritten in-house — no correspondent hand-offs, no black-box overlays.
Full-documentation financing eligible for sale to Fannie Mae and Freddie Mac, with pricing tied to conforming loan limits.
FHA-insured financing with flexible credit and income guidelines, built for first-time and lower-down-payment buyers.
VA-guaranteed financing for eligible veterans, active-duty service members, and surviving spouses, with no down payment required.
USDA-guaranteed financing for eligible rural and suburban properties, with no down payment required for qualified borrowers.
Qualify off property cash flow — no personal income documentation required. Built for buy-and-hold and short-term rental investors.
12–24 months of business or personal bank statements used to calculate qualifying income, with flexible expense-ratio options.
High-balance purchase and refinance financing for loan amounts above conforming limits, up to $5M+ for qualified borrowers.
Qualify using a CPA, EA, or tax-preparer-signed profit and loss statement — no bank statements or tax returns required.
Income calculated from 12–24 months of 1099 forms for gig-economy, commission, and contract-based borrowers.
Turn liquid assets — checking, savings, brokerage accounts — into qualifying income without traditional employment verification.
Financing for non-resident borrowers investing in U.S. real estate — no U.S. credit history or SSN required.
Purchase and renovation capital for investors rehabbing single-family and small multi-family properties for resale.
Fast, asset-based capital for time-sensitive purchases, rehabs, and bridge scenarios where speed matters more than documentation.
HECM and proprietary reverse financing that converts home equity into cash flow for qualifying borrowers, with no monthly mortgage payment required.
Send your scenario to a Quintess Funding loan officer and we'll match it to the right program — usually same day.
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