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Why Champs

Champions Funding is a nationwide wholesale lender that provides non-traditional access to mortgage financing.  With unique Non-QM & CDFI loan programs, Champions Funding empowers YOU, our valued Broker Partners, to fulfill the dreams of diverse homeowners as well as realize the mission of serving underserved communities. Learn more below and partner with us today!

We're Here to Serve Your Non-Traditional Borrowers

Flexible & modern lending solutions for more borrowers. 

Get to know our Consumer and Business Purpose loan options.

Consumer Purpose


Consumer - No Ratio

Open the opportunity of homeownership to more diverse borrowers

  • Loan amounts up to $3M

  • FICOs as low as 640

  • 100% gift funds allowed for closing costs

  • Owner-occupied with no ratio

  • 1 day bankruptcy seasoning


Consumer - Alt Doc

Flexible solutions with broader qualification methods and doc types

  • Loan amounts up to $4M

  • 660 FICO up to 70% LTV

  • 1x30x12 up to 90% LTV

  • 40-year interest-only available

  • Allow 12 month seasoning on credit events for purchases

Business Purpose


Business - DSCR + No Ratio

Debt Service Coverage Ratio + No Ratio options

  • Loan amounts up to $4.5M

  • FTHB allowed to 70% LTV Min. FICO 680

  • FICOs as low as 620

  • Cash-out allowable for reserves

  • Reserves only required for subject property


Business - Foreign National

No credit score, no ratio, no problem

  • Loan amounts up to $2.5M

  • 75% Max LTV

  • No credit score required

  • No ratio available

  • 40-year interest only available

Condotels, non-warrantable condos, and mixed-use properties accepted on most programs.

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Why Champs


Product Overview


Partner with Us

Are you ready to tap into the $1 trillion market of underserved & qualified communities who don’t qualify for standard financing?  Become an approved broker today!

Connect with the Champs

It’s time to get social.  Follow Champs TPO on your favorite social media channels for industry insight, ways to boost your business, and Non-QM training.

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