Alt-Doc Activator & Accelerator
Wholesale Loan Programs

All income stories welcome to access flexible qualification solutions

Qualify More of Your Borrowers
Without W2s Required

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.
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Alternative Documentation
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.
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Program Highlights

Alt-Doc Activator for Consumers

Loan amounts up to $3M
Up to 85% LTV
FICOs as low as 640
Allowable income types include: 12-months personal or business bank statements, P&L only, WVOE only (primary occupancy only), 1099 only, and asset utilization
Up to 55% DTI with $3,000 residual income

Alt-Doc Accelerator for Investors

Max loan amounts $3M
Up to 85% LTV
FICOs as low as 640
Allowable income types include: 12-months personal or business bank statements, P&L only, 1099 only, and asset utilization
Up to 55% DTI with $3,000 residual income
*See full guidelines for eligibility.

Working with ITIN borrowers? We have Alt-Doc solutions for borrowers available. Learn more!
Ready to level up your Alt-Doc pipeline? Learn how to answer “What is an Alt-Doc loan?” for your borrowers.

Program Highlights

Owner-Occupied & Second Homes

Alt-Doc Activator

Loan amounts up to $3M
Up to 85% LTV
FICOs as low as 640
Up to 55% DTI with $3,000 residual income
Allowable income types include: 12-months personal or business bank statements, P&L only, WVOE only (primary occupancy only), 1099 only, and asset utilization

Investment Properties

Alt-Doc Accelerator

Max loan amounts $3M
Up to 85% LTV
FICOs as low as 640
Up to 55% DTI with $3,000 residual income
Allowable income types include: 12-months personal or business bank statements, P&L only, 1099 only, and asset utilization
*See full guidelines for eligibility.

Ready to level up your Alt-Doc pipeline? Learn how to answer “What is an Alt-Doc loan?” for your borrowers.
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What is an Alt-Doc Loan?

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Champions Funding, LLC
365 E Germann Rd. Suite 140
Gilbert, AZ 85297
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© 2026 All Rights Reserved. Equal Housing Opportunity. Champions Funding, LLC, 365 E. Germann Rd., Suite 140 Gilbert, AZ 85297. NMLS ID #2254210. For licensing, visit nmlsconsumeraccess.org. Information is solely intended for mortgage bankers, mortgage brokers, and financial institutions and is not an advertisement to extend credit directly to consumers. All loans subject to credit approval. Rates and fees subject to change.