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New 0.375 CDFI Rate Improvement on our Ally loan program!
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New CDFI Rate Improvements up to 0.625
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ITIN for the Win! Loan solutions for Non-U.S. citizens.
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Non-QM + CDFI Mortgage Banker for Your Creditworthy Borrowers

We provide wholesale and correspondent Non-QM financing opportunities to licensed mortgage brokers and loan originators. Our loan programs are designed to fill the missing gaps in today's mortgage market by helping underserved and under-banked borrowers who are credit-worthy yet struggling to obtain financing from traditional agency lenders.

Our consistent, tried-and-true Champion approach uses modernized underwriting with a lightning-fast process and minimal friction allowing loan originators to grow their production and pipelines to serve even more borrowers.
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Non-QM + CDFI Mortgage Banker for Your Creditworthy Borrowers

We provide wholesale and correspondent Non-QM financing opportunities to licensed mortgage brokers and loan originators. Our loan programs are designed to fill the missing gaps in today's mortgage market by helping underserved and under-banked borrowers who are credit-worthy yet struggling to obtain financing from traditional agency lenders.

Our consistent, tried-and-true Champion approach uses modernized underwriting with a lightning-fast process and minimal friction allowing loan originators to grow their production and pipelines to serve even more borrowers.
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CDFI Certified
Our CDFI Mission to Serve
As a Community Development Financial Institution (CDFI), Champions Funding is one of a few lenders who has the opportunity to provide financing to diverse, credit-worthy homeowners living within underserved communities across the country.

We Empower Mortgage Loan Originators.
Reach more borrowers by providing access to exclusive Non-QM loan products that are not found with traditional agency lenders, giving you the competitive edge to stand-out in your market.

Learn about the ways you can tap into this $1 trillion dollar market to grow your pipeline with loan programs that make a difference.

Opening doors for more borrowers
Flagship Non-QM Loan Programs
Focused exclusively on Non-QM, we fund loans other lenders don't with our hassle-free and common-sense approach to mortgage lending.
Partner With Us
Sign up to be an approved Broker Partner and get access to our top-notch Broker Portal, program-related news, and more!
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Program Guidelines
Find the latest forms and guidelines for our products, services, and more.
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Ally
PROGRAM
Owner-Occupied | No Ratio
Unlock the opportunity of homeownership to more diverse borrowers.
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Activator
PROGRAM
Alt Doc | 40 YR I/O
Flexible solutions with broader qualification methods and documentation types.
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Accelerator Expanded
PROGRAM
No Ratio | DSCR ≥ .50
More expansive guidelines.
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Accelerator
PROGRAM
DSCR | Investor
Debt Service Coverage Ratio options.
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Consumer Purpose
Ally
PROGRAM
Owner-Occupied | No Ratio
No income and no employment verification required. A mission-driven product to serve the nation's most diverse and underbanked borrowers.
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Activator
PROGRAM
Alt Doc | Non-Traditional Borrowers
Flexible solutions with broader qualification methods and documentation types including: bank statement, W2, 1099, P&L, and asset utilization options.
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ITIN Activator
PROGRAM
Alt-Doc | For Non-U.S. Citizens
For non-U.S. citizens, we accept Individual Taxpayer Identification Number (ITIN) for borrower identification. Financing for consumers looking to take part of the American dream.
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Business Purpose
Ambassador
PROGRAM
Foreign National | DSCR Investment Properties
A program designed for borrowers who do not live or work in the United States but wish to invest in U.S. real estate.
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Accelerator
PROGRAM
DSCR | No Ratio
Qualify using the property's cash flow / income generated by the investment property using a debt-to-service coverage ratio. No tax returns or personal income requirements.
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ITIN Accelerator
PROGRAM
DSCR | For Non-U.S. Citizens
For non-U.S. citizens with an ITIN who wish to purchase investment property or refinance existing real estate using DSCR to qualify. No personal income requirements.
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Accelerator Full/Alt-Doc
PROGRAM
Income Qualifying Investment Properties
Increase opportunities for investor borrowers with broad income qualifications.
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Program Guidelines
Find the latest forms, guidelines, and product matrices.

CDFI eligible rate improvements available on all loan programs.
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Ally
PROGRAM
Owner-Occupied | No Ratio
No income and no employment verification required. Open the doors to underserved borrowers.
Learn more
Accelerator
PROGRAM
DSCR | Investor
Debt Service Coverage Ratio options for business purpose loans. No tax returns required. Qualifying loans with property cash flow.
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ITIN
PROGRAM
Alt-Doc | For Non-U.S. Citizens
For non-U.S. citizens who don't have a SSN, we accept Individual Taxpayer Identification Number (ITIN).
Learn more
Activator
PROGRAM
Alt Doc | 40 YR Interest Only
Flexible solutions with broader qualification methods and documentation types.
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Ambassador
Sign up to be an approved Broker Partner and get access to our best-in-class Broker Portal, unique loan products, training, free marketing, and more!
Sign up
Wholesale Quick Pricer
Need a pricing exception on a loan? Download form and email to [email protected]

The HERO Quick Pricer tool is intended for licensed mortgage and real estate professionals only and is not intended to be utilized by potential borrowers or by the general public.​

Rate, terms, and program guidelines are subject to change without notice. Results obtained through the Quick Pricer are based on information provided and cannot be guaranteed. Not all applicants will qualify. The Quick Pricer is not an eligibility tool. Please review guidelines here for eligibility. For more information, contact the Scenarios team and/or your dedicated Account Executive.

*PITI are monthly mortgage payments that may increase based on escrows for taxes and insurance.

Consumer Purpose
Business Purpose
Ally | No Ratio
Accelerator | DSCR/No Ratio
ITIN Activator | Alt-Doc
ITIN Accelerator| DSCR
Activator | Alt-Doc
Ambassador | DSCR Foreign National
Our Commitment
We Live to Serve the Underserved
Champions Funding, as a CDFI, is rooted in its mission to help historically under-banked communities and borrowers who have been left behind or overlooked without financing options. Our commitment is steadfast in making an impact by broadening lending criteria, modernizing the process, and helping our broker partners serve more borrowers.

Dedicated Support

Direct access to a highly specialized team of Non-QM Underwriters and Scenarios support team to help you win.

Modern Technology

The HERO broker portal is intuitive and elegantly designed for ease of use and lightning-fast results.

Free Marketing Resources

Attract new customers with complimentary access to expertly crafted Non-QM marketing materials.

Work with Champions

Level up with knowledgeable Non-QM Account Executives who know what it takes to get your loan to the finish line.
Your Borrowers, Our Solutions
Our Hassle-free loan programs allow our approved brokers to tap into a $1 trillion dollar market of underserved communities that cannot get approved with standard financing.
Unlock the opportunity of homeownership to more diverse borrowers.
Highlights:
Loan amounts up to $2M
FICOs as low as 660
Up to 80% LTV allowed
No DTI calc on O/O & 2nd homes
No VOR required on FTHB Purchases
the Raving fans have spoken
"10/10 service. Helped me complete a purchase in 12 days start to finish!"
- Dillon
Responsible lending done right
We're here to make sure you understand every step of the journey. Here are some quick resources to help you learn more about what we provide:
What is a Non-QM Loan?
Offer opportunities outside of traditional financing for your borrowers.
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What is a CDFI?
We are part of an institution that provides non-traditional access to mortgage financing.
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What is a DSCR Loan?
Expand your pipeline when you offer your borrowers Investor Cash Flow / Investment Property Finance.
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The Champs Playbook
From the mortgage broker approval to funding a loan, we move you through the process in days, not weeks.

Become a Partner

Offer Non-QM products to your customers today! Have a hot deal now? Submit a loan while you are in the broker approval process.
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Price and Submit

Price a loan anytime, any day in Quick Pricer. A Fannie Mae 3.4 XML file is all you need to get started on a new loan submission.
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Get a Loan Approval

A seamless slam dunk with amazing turn times and a dedicated Underwriting team.
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Clear to Close

Get ready! Enjoy a lightning speed process to the finish line with great communication along the way.
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Your Loan is Funded!

You closed a Non-QM loan in record time scoring points for your borrowers and referral sources.
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Rinse and Repeat

Let's do it again. Find more business with exclusive training & marketing tools that can help you win your next deal.
The latest from our blog
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Natalie Verrette Named 2022 HousingWire Vanguard

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Champions' Insight to Market Domination

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4 Things to Look for in a Non-QM Lender

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We're Just Getting Started
Responsible lending done right
Champion your loan with the Champs of the Non-QM market. As a wholesale lender who specializes in this unique program, we're committed to fostering our partnership with you, our Broker Partners.
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© 2024 All Rights Reserved. For industry professionals only and is not an advertisement to extend credit directly to consumers. For licensing, visit nmlsconsumeraccess.org. The information contained herein is provided to assist real estate and mortgage lending professionals and is not an advertisement to extend credit directly to consumers. Champions Funding LLC. 365 E. Germann Rd., Suite 140 Gilbert, AZ 85297. NMLS #2254210.