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 $2.5M
FICOs down to 620
Up to 80% LTV with 720 FICO
First-time homebuyers welcome
O/O or second homes
Use 100% cash-out as reserves for up to 50% LTV. For LTVs above 50%, two months of borrower's own funds are required; cash-out proceeds can be used to meet remaining reserve requirements.
Properties up to 20 acres
*See full guidelines for eligibility.
‍
Champions Funding expands opportunity for borrowers and investors who dream big. Partner with us today.

Learn more about our flagship Ally loan program.

Product Highlights

FICOs down to 640
No DTI calculation
Loan amounts up to $3M
O/O or second homes
First-time homebuyers welcome
Up to 80% LTV with 720 FICO (max loan amount $2M)
Cash-Out Reserve Requirements:
Loan Amount < $1M: 100% of reserve requirements may come from cash-out proceeds.
Loan Amount ≥ $1M: 
LTV ≤ 50%: Reserve requirement may be fully met with cash-out proceeds.
LTV > 50%: Borrower must provide 2 months reserves from their own funds; remaining reserves may come from cash-out proceeds.
*See full guidelines for eligibility.
‍
Champions Funding expands opportunity for borrowers and investors who dream big. Partner with us today.

Learn more about our flagship Ally loan program.
Let's Get started

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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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Dallas, TX 75265-0840
We live to serve the underserved.
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© 2026 All Rights Reserved. Equal Housing Opportunity. Champions Funding, LLC, 365 E. Germann Rd., Suite 140 Gilbert, AZ 85297. NMLS ID #2254210. For licensing, visit nmlsconsumeraccess.org. Information is solely intended for mortgage bankers, mortgage brokers, and financial institutions and is not an advertisement to extend credit directly to consumers. All loans subject to credit approval. Rates and fees subject to change.