Modern financing for underserved borrowers
What are Alt-Doc Loans?
The modern borrower earns income differently. Agency loan options (Fannie Mae, Freddie Mac, FHA, etc.) haven't evolved to serve them.

As a Non-QM lender, Champions Funding is proud to offer financing options that qualify borrowers using alternative documentation (alt-doc) methods to demonstrate a borrower's ability to repay the loan. An alt-doc loan provides an opportunity for mortgage loan originators to serve more customers and grow their business.

Flexible guidelines and common sense underwriting give opportunity to today's homebuyers and investors.
skip the w2s

What Income Documentation is Acceptable for Alt-Doc Loans?

Bank statements
Tax returns
1099 only
Asset depletion
Who Benefits from Alt-Doc Loans?
Alt-Doc loans benefit a wide range of borrowers. Consider not only business owners looking to finance a property, but those who earn income differently. Alt-Doc loans are a great pathway home for those experiencing a life event like a divorce or change of home in retirement. Income is not required to validate creditworthiness. With flexibility, the doors are open for more homeowners.

Diverse Borrowers

With a CDFI designation, you can tap into an underserved market and simultaneously help to provide equity in homeownership through our community-focused Ally product.

Self-Employed Borrowers

Business owners and entrepreneurs often do not have a W2, making it tough for a traditional lender to verify income. Alt-doc loans provide flexibility.

Contractors &
Gig Workers

Multiple 1099s? Alt-Doc loan programs accommodate multiple streams of income in proving their ability to repay.

The need for Non-QM is here. Don't miss out!

There is no shortage of demand in the market for increasingly flexible financing options for responsible borrowers with fluctuating, limited, or no income documentation. Become an approved Broker Partner and start growing your pipeline today.
Equal Housing Opportunity.
© 2024 All Rights Reserved. For industry professionals only and is not an advertisement to extend credit directly to consumers. For licensing, visit 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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