The Ally Loan Program
More Options for More of Your Borrowers

No Income & No Employment Verification Requirements
Wholesale Lending on a Mission
Our mission-driven No Ratio mortgage product is designed to empower diverse, underbanked, and creditworthy borrowers. This flexible loan requires no income or employment verification, making it an ideal financing solution for those with non-traditional documentation.
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No income & No employment verification Requirements
Ally | The Most Inclusive Product Yet
No Income & No Employment Verification Requirements
Our mission-driven No Ratio mortgage product is designed to empower diverse, underbanked, and creditworthy borrowers. This flexible no doc loan requires no income or employment verification, making it an ideal financing solution for those with non-traditional documentation.
View Matrix
Download Product Flyer

Product Highlights

No DTI calculation
Loan amounts up to $2M
FICOs down to 660
O/O or second homes
First-time homebuyers welcome
Up to 80% LTV with 720 FICO and 12 months reserves
Cash-out may be used as reserves*
*See full guidelines for eligibility.
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Champions Funding expands opportunity for borrowers and investors who dream big. Partner with us today.

Learn more about our flagship Ally loan program.
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We offer a unique product to set you apart from the competition. Access our Non-QM training & marketing resources as a partner today!

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Champions Funding, LLC
365 E Germann Rd. Suite 140
Gilbert, AZ 85297
NMLS ID #2254210
1-888-210-9881
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© 2025 All Rights Reserved. For industry professionals only and is not an advertisement to extend credit directly to consumers. For licensing, visit nmlsconsumeraccess.org. The information contained herein is provided to assist real estate and mortgage lending professionals and is not an advertisement to extend credit directly to consumers. Champions Funding, LLC. 365 E. Germann Rd., Suite 140 Gilbert, AZ 85297. NMLS #2254210.
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