Ready to Sign Up?

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!

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

  • 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

Alt Doc | 40 YR I/O

Flexible solutions with broader qualification methods and documentation 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

  • 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 and Refi

  • Condotel Financing Available up to 75% LTV

  • Cash-out may be used as reserves

  • Min. 700 FICO for purchase and rate & term refinance, 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 required

INVESTOR Foreign National | No Ratio
  • 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

Ready to Sign Up?

Already on Comergence?