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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!

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Why Champs


CDFI Overview


Product Overview


Short-Term Rental

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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


Consumer - No Ratio

Open the opportunity of homeownership to more diverse borrowers

  • Up to 80% LTV allowed

  • Loan amounts up to $2M

  • FICOs as low as 640

  • No DTI calc on O/O & 2nd homes

  • 100% gift funds allowed

  • Rural, mixed-use, modular, and log homes eligible


Consumer - Alt Doc

Flexible solutions with broader qualification methods and doc types

  • Loan amounts up to $4M

  • 660 FICO up to 80% LTV

  • First Time Home Buyers eligible

  • Unlimited cash-out at 65% LTV

  • 40-year interest only available

  • Minimum 30-day asset seasoning required

Business Purpose


Business - DSCR | INVESTOR No Ratio

Debt Service Coverage Ratio + No Ratio options

  • No Ratio up to $2M / DSCR up to $3.5M

  • FICOs as low as 620

  • No Max on Financed Properties

  • Use Short Term Rents on both Purchase & Refi

  • Condole Financing Available up to 75% LTV

  • Cash-out may be used as reserves



More options for DSCR financing for your high FICO, investor borrowers

  • Min. 700 FICO for purchase and R/T, DSCR ≥ 1.0

  • Min. 720 FICO for cash-out refinance, DSCR ≥ 1.1

  • 80% Max LTV

  • No disclosures or required wait periods

  • Delayed financing considered R/T refinance

  • Expanded states w/ no license requires


INVESTOR Foreign National | No Ratio

No credit score, no ratio, no problem

  • Foreign National No Ratio Financing

  • Loan amounts up to $1.5M

  • 70% Max LTV

  • No credit score required

  • Investment properties only

  • No disclosures or required wait periods

  • Expanded states w/ no license required

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

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
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  • Facebook
  • Twitter
  • Youtube
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