Foreign National Ambassador
Wholesale Loan Programs

Simple, flexible financing for your non-citizen borrowers
Open the Door to U.S. Real Estate
Make U.S. real estate ownership possible for Foreign Nationals. Whether your clients are looking to purchase a second home, invest in property, or refinance an existing asset in the United States, our Non-QM Foreign National loan solution opens the door. When qualified, non-U.S. citizen borrowers dream of buying in the U.S.—Champions Funding helps them close.
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.

Program Highlights

Foreign National Full/Alt-Doc for Consumers

Max loan amount $3M
Up to 75% LTV
FICOs as low as 680
Cash-out may be used to satisfy reserve requirements

Foreign National DSCR for Investors

Max loan amount $3M
Max LTV/CLTV 70%
FICOs as low as 680
Condotels and warrantable condos allowed
Want to learn more about Foreign National loan programs?
Expand your reach to boost your pipeline by offering expanded access to Non-QM financing.
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Resources

What is Foreign National?

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Quick Pricer

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Equal Housing Opportunity.
© 2025 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.
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