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A Lender for the People -
YOUR PEOPLE
At Champions Funding, as a wholesale mortgage lender, we are hyper-focused on the Non-QM market and as a result, we're focused on you and your success as you navigate loan options for your borrowers who may not meet traditional agency guidelines.
Our flagship, Ally No Ratio loan programs serves a bigger purpose and helps you tap into a market of underserved borrowers in historically underserved communities, by providing access to credit-worthy and who need a champion, like YOU!
Streamlined Processes
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Streamlined approvals with minimal conditions
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Quick turn times
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Direct contact with empowered decision-makers
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Get put on a pathway to a YES by eliminating underwriting friction
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User-friendly, common-sense guidelines
Community-Focused Programs
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Alt-Doc offering flexible solutions with broader qualification methods and documentation types
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Consumer Neighborhood - No income/No DTI calculations
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Business Purpose DSCR
Growing Your Business
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Personalized support to grow your business
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Non-QM education and training for all levels of experience
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Focus on collaboration within the wholesale mortgage broker community
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Complimentary marketing materials
Your Borrowers, Our Solutions
CDFI eligible rate improvements available on all loan programs
Consumer Purpose
Ally
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
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Loan Amounts up to $2M
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FICOs as low as 660
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Up to 80% LTV Allowed
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No DTI calc on O/O & 2nd Homes
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100% gift funds allowed for downpayment
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No VOR required on FTHB Purchases
Activator
Alt Doc | 40 YR Interest-Only
Flexible solutions with broader qualification methods and documentation types.
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Loan amounts up to $3M
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680 FICO up to 85% LTV
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Up to 6% Seller's Concessions allowed
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40 year terms w/ interest only available
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Up to 10 Acres Allowable
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Rent Free letter accepted as VOR
ITIN Activator
Alt-Doc | For Non-U.S. Citizens
ITIN is an alternative form of identification for non-US citizens who live and pay taxes in the United States but don't have an SSN.
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Up to 85% LTV (Purchase & R/T)
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Up to 75% LTV (Cash out)
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FICOs as low as 660
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Transferred appraisals accepted
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First-time homebuyers are welcome
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Gift funds allowed for down payment & closing costs, no minimum contribution

Business Purpose
Accelerator
DSCR | No Ratio
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Up to 80% LTV available
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No Ratio 700+ FICO (DSCR < .75)
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660+ FICO for cash-out, DSCR ≥ .75 - .99
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FICOs as low as 620 accepted
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First time investors allowed, min FICO 680
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Transferred appraisals accepted
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Broker points & fees up to 5% permitted
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DSCR and reserve calculation ITIA only on IO loans
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Cash out may be used for reserves
Ambassador
Foreign National | DSCR Investment Properties
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Investment properties only
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Max loan amount $1.5M
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Max LTV/CLTV 70%
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Condotels are eligible
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Short-term rental properties accepted (DSCR only)
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Assets must be sourced and seasoned for at least 60 days
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May use Cash-Out to satisfy reserve requirements
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Vacant or unleased properties allowed with reduced LTV
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Transferred appraisals are accepted
ITIN Accelerator
DSCR | For Non-U.S. Citizens
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Loan amounts up to $1M
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Up to 80% LTV (Purchase & R/T)
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Cash out can be used towards reserves*
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FICOs as low as 660
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Transferred appraisals accepted
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First-time homebuyers welcome*
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Short-term rentals allowed*
*See full guidelines for eligibility and additional requirements.
