top of page

Why Champs

Champions Funding is a nationwide wholesale lender that provides non-traditional access to mortgage financing. With unique Non-QM & CDFI loan programs, Champions Funding empowers YOU, our valued Broker Partners, to fulfill the dreams of diverse homeowners as well as realize the mission of serving underserved communities. Learn more below and partner with us today!

Subscribe & Enter to Win Giveaway
Raffle ends Monday, September 11th at 11:59 PT

Anchor 1

100% Non-QM + CDFI Wholesale Mortgage Lender

We're Here to Serve Your Non-Traditional Borrowers

Flexible & modern lending solutions for more borrowers. 

Get to know our Consumer and Business Purpose loan options.

Consumer Purpose


Owner-Occupied | No Ratio

Open the doors of homeownership for credit-worthy borrowers who don’t bank traditionally or have otherwise been locked out from opportunities and access to financing​

  • Loan Amounts up to $2M

  • FICOs as low as 660

  • Up to 80% LTV Allowed

  • No DTI calc on O/O & 2nd Homes

  • 100% gift funds allowed for downpayment

  • No VOR required on FTHB Purchases

ITIN Activator

Alt-Doc | For Non-U.S. Citizens

ITIN is an alternative form of identification for non-US citizens who live and pay taxes in the United States but don't have an SSN.

  • Up to 85% LTV (Purchase & R/T)

  • Up to 75% LTV (Cash out)

  • FICOs as low as 660

  • Transferred appraisals accepted

  • First-time homebuyers are welcome

  • Gift funds allowed for down payment & closing costs, no minimum contribution


Alt Doc | 40 YR Interest-Only

Flexible solutions with broader qualification methods and documentation types.

  • Loan amounts up to $3M

  • 680 FICO up to 85% LTV

  • Up to 6% Seller's Concessions allowed

  • 40 year terms w/ interest only available

  • Up to 10 Acres Allowable

  • Rent Free letter accepted as VOR

Business Purpose


DSCR | No Ratio

Debt Service Coverage Ratio + No Ratio options

  • Up to 80% LTV available

  • No Ratio 700+ FICO (DSCR < .75)

  • 660+ FICO for cash-out, DSCR ≥ .75 - .99

  • FICOs as low as 620 accepted

  • First time investors allowed, min FICO 680

  • Transferred appraisals accepted

  • Broker points & fees up to 5% permitted

  • DSCR and reserve calculation ITIA only on IO loans

  • Cash out may be used for reserves

ITIN Accelerator

DSCR | For Non-U.S. Citizens

Debt Service Coverage Ratio + No Ratio options

  • Loan amounts up to $1M

  • Up to 80% LTV (Purchase & R/T)

  • Cash out can be used towards reserves*

  • FICOs as low as 660

  • Transferred appraisals accepted

  • First-time homebuyers welcome*

  • Short-term rentals allowed*

*See full guidelines for eligibility and additional requirements. 


Foreign National | DSCR Investment Properties

  • Investment properties only

  • Max loan amount $1.5M

  • Max LTV/CLTV 70%

  • Condotels are eligible

  • Short-term rental properties accepted (DSCR only)

  • Assets must be sourced and seasoned for at least 60 days

  • May use Cash-Out to satisfy reserve requirements

  • Vacant or unleased properties allowed with reduced LTV

  • Transferred appraisals are accepted

Condotels, non-warrantable condos, and mixed-use properties accepted on most programs.

Popular Flyers

Why Champs


CDFI Overview


Product Overview


ITIN Overview


Partner with Us

Are you ready to tap into the $1 trillion market of underserved & qualified communities who don’t qualify for standard financing?  Become an approved broker today!

Connect with the Champs

It’s time to get social.  Follow Champs TPO on your favorite social media channels for industry insight, ways to boost your business, and Non-QM training.

  • LinkedIn
  • Instagram
  • Facebook
  • Twitter
  • Youtube
bottom of page