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.

Foreign National Full/Alt-Doc for Consumers and Investors

Max loan amount $3M
Up to 75% LTV
FICOs as low as 700
Cash-out may be used to satisfy reserve requirements
Gift funds permitted if borrower has 10% of their own funds

Foreign National DSCR for Investors

Max loan amount $3M
Max LTV/CLTV 75%
FICOs as low as 680
Condotels and warrantable condos allowed
Gift funds permitted if borrower has 10% of their own funds
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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What is Foreign National?

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© 2025 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.
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