Full Documentation Activator & Accelerator Wholesale Loan Programs

Going further than traditional agency lending

Financing Beyond
Traditional Options

When traditional lenders say no, Champions Funding can often find a way forward. Our Non-QM Full Documentation loan program helps creditworthy borrowers overcome the outdated guidelines of banks and agencies. Even with recent credit events—like bankruptcy, short sale, foreclosure, or deed-in-lieu—qualified borrowers can still access the financing they deserve. With common-sense underwriting and a full doc approach, we're helping more buyers get back in the game.
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.

Full Doc Activator for Consumers

Loan amounts up to $3M
Up to 90% LTV (primary only with 740+FICO)
FICOs as low as 640
Up to 6% seller’s concessions towards closing costs
Up to 55% DTI with $3,000 residual income

Full Doc Accelerator for Investors

Loan amounts up to $3M
Up to 85% LTV
FICOs as low as 660
First-time investors welcome
Up to 55% DTI with $3,000 residual income

Working with Foreign National borrowers? We have Full Doc solutions. Learn more!
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What is Non-QM?

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White Label Marketing

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Quick Pricer

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Become an Approved Broker

Champion your loan with the Champs of the Non-QM Market

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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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