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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.
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.
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.
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.
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.
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
"I can't wait to work with Champions Funding and its team again and experience another smooth and fast loan process." - Bianca, Broker Partner
"The experience was day and night compared to the other guys. Very simple guidelines, and the communication was fast, I was able to get my loan submitted and closed in 3 days, literally the same week." - Armando, Broker Partner
"One of the best in the business. Always on top of communication and the entire team works super hard on every single loan. Huge shout out to the Champions Team!" - Mr. Lexington, Broker Partner
"Extremely smooth process with great follow-up. Everyone was helpful and responsive from start to finish. Will definitely use Champions again." - Michael
"10/10 service. Helped me complete a purchase in 12 days start to finish!" - Dillon
"We had a challenging loan and Champions came through and helped our client get their Dream Home." - Christopher
"One of the best in the business. Always on top of communication and the entire team works super hard on every single loan. Huge shout out to the Champions Team!" - Alexander
"Teamwork makes the Dream Work! Paul Dankowsky and the Company Team are great in what they do. Excellent service and gets the job done in a timely matter. It was a pleasure working with them." - Leo
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.
Learn More
What is a CDFI?
We are part of an institution that provides non-traditional access to mortgage financing.
Learn More
What is a DSCR Loan?
Expand your pipeline when you offer your borrowers Investor Cash Flow / Investment Property Finance.
Learn More
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.
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.
Get a Loan Approval
A seamless slam dunk with amazing turn times and a dedicated Underwriting team.
Clear to Close
Get ready! Enjoy a lightning speed process to the finish line with great communication along the way.
Your Loan is Funded!
You closed a Non-QM loan in record time scoring points for your borrowers and referral sources.
Rinse and Repeat
Let's do it again. Find more business with exclusive training & marketing tools that can help you win your next deal.
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.
Events
Come and Meet Us at the Next Trade Show or Event
We believe relationships matter and we're here to support our mortgage community. Subscribe to be notified of upcoming private events, webinars, and trade shows in your local area.
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