Not every homebuyer has perfect credit, but many have built real equity in a property. Traditional lending often turns these borrowers away over credit score alone, even when they're otherwise ready to buy or refinance. Champions Funding's Ally Equity First No Ratio loan program changes the equation.
Instead of focusing on a borrower's credit profile, Ally Equity First puts the emphasis on the property's equity. With Champions Funding, you have a powerful solution to rescue primary and second home purchases and refinances that other lenders decline.
Help your homebuyers and investors win big with fast, flexible Alt-Doc loan solutions. Alternative Documentation (Alt-Doc) programs are built for borrowers who don’t fit the traditional mold—no W2s or tax returns required. Instead, income is verified through bank statements, P&L-only, 1099-only, WVOE-only, asset utilization, and more. Whether it's self-employed borrowers or seasoned investors, Alt-Doc loans make it easier to qualify—and faster to fund.
Looking for our flagship Ally product? Learn more here. *See program guidelines for complete details and eligibility requirements
Solve Common Homebuyer Challenges
Low or No Credit Score No minimum FICO requirement means borrowers aren’t automatically eliminated because of credit score.
Non-Traditional Income No Ratio underwriting means no income or debt-to-income calculation which is ideal for self-employed, retired, or asset-rich borrowers.
Cash-Out Opportunities Help borrowers tap into home equity, even after previous credit challenges or financial hardship.
Looking for a DSCR option? Focus on the strength of the property’s equity rather than debt service coverage ratios. Learn more.
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