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A Lender for the 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
  • Streamlined approvals with minimal conditions

  • Quick turn times 

  • Direct contact with empowered decision-makers

  • Get put on a pathway to a YES by eliminating underwriting friction

  • User-friendly, common-sense guidelines 

Community-Focused Programs
  • Alt-Doc offering flexible solutions with broader qualification methods and documentation types

  • Consumer Neighborhood - No income/No DTI calculations

  • Business Purpose DSCR 

Growing Your Business
  • Personalized support to grow your business

  • Non-QM education and training for all levels of experience  

  • Focus on collaboration within the wholesale mortgage broker community

  • Complimentary marketing materials

Consumer Anchor

Your Borrowers, Our Solutions

CDFI eligible rate improvements available on all loan programs

Consumer Purpose

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

  • Loan Amounts up to $2M

  • FICOs as low as 660

  • Up to 80% LTV Allowed

  • No DTI calc on O/O & 2nd Homes

  • 100% gift funds allowed for downpayment

  • No VOR required on FTHB Purchases

Alt Doc | 40 YR Interest-Only

Flexible solutions with broader qualification methods and documentation types.

  • Loan amounts up to $3M

  • 680 FICO up to 85% LTV

  • Up to 6% Seller's Concessions allowed

  • 40 year terms w/ interest only available

  • Up to 10 Acres Allowable

  • 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.

  • Up to 85% LTV (Purchase & R/T)

  • Up to 75% LTV (Cash out)

  • FICOs as low as 660

  • Transferred appraisals accepted

  • First-time homebuyers are welcome

  • Gift funds allowed for down payment & closing costs, no minimum contribution


Business Purpose

DSCR | No Ratio 
  • Up to 80% LTV available

  • No Ratio 700+ FICO (DSCR < .75)

  • 660+ FICO for cash-out, DSCR ≥ .75 - .99

  • FICOs as low as 620 accepted

  • First time investors allowed, min FICO 680

  • Transferred appraisals accepted

  • Broker points & fees up to 5% permitted

  • DSCR and reserve calculation ITIA only on IO loans

  • Cash out may be used for reserves

Foreign National | DSCR Investment Properties
  • Investment properties only

  • Max loan amount $1.5M

  • Max LTV/CLTV 70%

  • Condotels are eligible

  • Short-term rental properties accepted (DSCR only)

  • Assets must be sourced and seasoned for at least 60 days

  • May use Cash-Out to satisfy reserve requirements

  • Vacant or unleased properties allowed with reduced LTV

  • Transferred appraisals are accepted

ITIN Accelerator
DSCR | For Non-U.S. Citizens
  • Loan amounts up to $1M

  • Up to 80% LTV (Purchase & R/T)

  • Cash out can be used towards reserves*

  • FICOs as low as 660

  • Transferred appraisals accepted

  • First-time homebuyers welcome*

  • Short-term rentals allowed*

*See full guidelines for eligibility and additional requirements. 

Business Purpose
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