ITIN Activator & Accelerator
Wholesale Loan Programs

Built for your borrowers with an ITIN - no SSN needed

Empower Dreams for Borrowers with ITINs

Every creditworthy borrower deserves a shot at homeownership. That’s why we offer Non-QM loan programs tailored for borrowers who use an Individual Taxpayer Identification Number (ITIN). With common-sense underwriting, competitive terms, and a team that champions every deal, we’re helping ITIN borrowers achieve the dream of homeownership.
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.

ITIN Alt-Doc for Consumers

Loan amounts up to $1M
Up to 85% LTV (Purchase & R/T)
Up to 75% LTV (Cash-out)
FICOs as low as 660 | No Score

ITIN DSCR for Investors

Loan amounts up to $1M
Up to 80% LTV (DSCR > 1.0)
FICOs as low as 660 | No Score
Short-term rentals allowed
Want to learn more about ITIN loan programs? Expand your pipeline with ITIN borrowers.
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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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