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 Our Non-QM Full Documentation loan program helps creditworthy borrowers overcome the outdated guidelines of banks and agencies.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.

Program Highlights

Full Doc Activator for Consumers

Loan amounts up to $3M
Up to 90% LTV (primary)
FICOs as low as 640
Up to 6% seller’s concessions towards closing costs

Full Doc Accelerator for Investors

Loan amounts up to $3M
Up to 85% LTV
FICOs as low as 660
First-time investors welcome
Working with Foreign National borrowers? We have Full Doc solutions. Learn more!
Let's Get started

Resources

What is Non-QM?

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White Label Marketing

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Quick Pricer

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

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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