a world of opportunity awaits
What is a Foreign National Loan?
A Foreign National loan offers financing opportunities for non-owner occupied purchase or refinance for non-resident aliens looking to invest in U.S. properties.

This unique business purpose loan uses a property's income to qualify for DSCR l No Ratio funding, instead of a borrower's personal income.

Who Qualifies as a Foreign National?

Non-resident alien who is not authorized to live or work in the United States.
A person who holds a work Visa that is indicative of a more temporary residency than those required to meet Non-Permanent Resident Alien requirements.

Where to Find Foreign National Borrowers

Identifying potential customers who may be Foreign Nationals may be tough, but it doesn't have to be. Leverage your referral sources, professional colleagues, and your past customers to educate and find potential borrowers. Educating your referral sources is the key to creating awareness and educating them about all of the Non-QM options available, like Foreign National loan programs.

Real Estate Agents

Connect with agents serving homebuyers in diverse markets.


Connect with tax, real estate, and immigration attorneys in your area.


Connect with certified public accountants, tax preparers, and bookkeepers within your market.
It's true! We offer both personal and business loans with an ITIN! Find out more about ITINs from the IRS.

Increase Opportunity for Yourself & Your Borrowers

We are a 100% Non-QM mortgage lender. Bank Statement, Alt-Doc, DSCR, Foreign National, and ITIN loans make us your go-to for non-traditional financing.  When you expand your offerings, you expand your potential.

Add Champions Funding Non-QM loan products to your suite of services by partnering with us today.

Become an Approved Broker

Champion your loan with the Champs of the Non-QM Market

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 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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