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Lend like a Champ

Champion your loan with the Champs of the Non-QM market. As a wholesale lender who specializes in this unique program, we’re committed to fostering our partnership with you, our Broker Partners.

Find out more about us!

Consumer Anchor

Your Borrowers, Our Solutions

CDFI eligible rate improvements available on all loan programs

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

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

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

Business Anchor

Business Purpose

DSCR | No Ratio 
  • 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

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