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 660

  • No DTI calc on O/O & 2nd homes

  • 100% gift funds allowed

  • No VOR required on FTHB Purchases

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

  • Loan amounts up to $3.5M

  • FICOs as low as 620

  • No max on financed properties

  • Use short term rents on refinances

  • Condotel financing available up to 75% LTV

  • Cash-out may be used as reserves

  • 700+ FICO for purchase & R/T, DSCR ≥ 1.0

  • 720+ FICO for cash-out, DSCR ≥ 1.1

  • 80% Max LTV

  • No disclosures or required wait periods

  • Delayed financing considered R/T refinance

  • Expanded states w/ no license required

Ready to Sign Up?

Already on Comergence?