ITIN mortgage program for borrowers who have no a Social Security Number. 没有社会安全号也可申请房贷，适合非公民、外籍人士。

Описание: Quontic Bank offers a true ITIN mortgage program for borrowers who do not have a Social Security Number. As a CDFI lender, Quontic allows flexible documentation and does not require tax returns, W‑2s, or paystubs. This program is ideal for non‑citizens, foreign nationals, and investors using an ITIN.
✔ No SSN Required
Borrowers can qualify using an ITIN instead of a Social Security Number.
✔ No Tax Returns or W‑2s
Quontic does not require:
• Tax returns
• W‑2s
• Paystubs
• Traditional income documentation
✔ Flexible Income Documentation
Depending on borrower type:
• Self‑employed: 12‑month CPA‑ or tax‑preparer‑prepared P&L (PTIN accepted)
• Salaried: Quontic VOE‑1 (verification of employment) only
✔ 100% Gift Funds Allowed
Down payment and closing costs can be fully gifted.
✔ Investor ITIN Loans Available
Quontic offers ITIN investor loans with:
• No SSN required
• No tax returns
• Subject property does NOT need positive cash flow
✔ Minimal Asset Verification
• Only 1 month of bank statements required (covering 30 days)
• Cash‑out proceeds may count toward reserves

Quontic Bank 提供真正的 ITIN（个人纳税识别号）贷款项目，适用于没有社会安全号（SSN）的借款人。作为 CDFI 银行，Quontic 审核更灵活，不需要报税表、W‑2 或工资单。非常适合非公民、外籍人士、以及使用 ITIN 的投资人。
✔ **No SSN Required
无需社会安全号（SSN）**
仅凭 ITIN 即可申请
适用于外籍人士、非永久居民、签证过期但仍有 ITIN 的客户
✔ **No Tax Returns or W‑2s
无需报税表或 W‑2** Quontic 不要求：
报税表
W‑2
工资单
传统收入文件
✔ **Flexible Income Documentation
灵活的收入文件方式**
自雇人士： 12 个月 CPA 或报税师（PTIN）出具的 P&L
受薪人士： 只需 Quontic VOE‑1（就业验证）
✔ **100% Gift Funds Allowed
可使用 100% 赠与资金**
首付、过户费用均可由家人赠与
✔ **Investor ITIN Loans Available
可做投资房 ITIN 贷款**
无需 SSN
无需报税
房产 不要求正现金流
✔ **Minimal Asset Verification
资产审核要求极低**
只需 1 个月银行对账单（30 天）
Cash‑out 可用于储备金