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NON-QM MORTGAGE — CHAMPIONS FUNDING — CDFI CERTIFIED

Non-QM Mortgage Programs — No Tax Returns Required

Through our partnership with Champions Funding — a CDFI-certified Non-QM wholesale mortgage lender — we place mortgages for borrowers who've been turned down everywhere else. Self-employed, investors, ITIN borrowers, foreign nationals, and borrowers with recent credit events.

$3.5M
Max Loan Amount
5 Days
Fastest Close
CDFI
Certified Lender
8+
Programs
8+
Non-QM Programs
$3.5M
Maximum Loan
5 Days
Fastest Close
CDFI
Certified — Rate Improvements
ITIN
No SSN Required

Champions Funding — Our Non-QM Partner

Champions Funding (NMLS #2254210) is a CDFI-certified wholesale Non-QM lender focused exclusively on borrowers who don't fit conventional agency lending guidelines. As one of a small number of CDFI-designated mortgage lenders in the country, they can provide rate and price improvements for qualifying underserved community borrowers on all programs.

What Champions Funding Does

  • ✅ Funds loans conventional lenders won't touch
  • ✅ CDFI designation — rate improvements for underserved borrowers
  • ✅ ITIN accepted — no SSN required for non-US citizens
  • ✅ Close in as little as 5 business days
  • ✅ No income or employment verification (Ally program)
  • ✅ Property cash flow qualifies — no personal income needed (DSCR)

Borrower Profiles We Serve

  • 🏢 Self-employed with non-traditional income
  • 🏠 Real estate investors (DSCR qualifies)
  • 🌐 Non-US citizens with ITIN numbers
  • 🌍 Foreign nationals investing in US real estate
  • 📉 Borrowers with recent credit events (BK, foreclosure, short sale)
  • 🏘️ Community borrowers in underserved areas (CDFI rate improvements)
Full Doc Program — Activator & Accelerator
W2 · Tax Returns · Retirement Income
Documentation
W2 + Tax Returns
Properties
Primary, 2nd, Investment
Max Loan
$3,500,000
Credit Events
BK/FC/SS OK
Full documentation with common-sense underwriting. Recent credit events accepted — bankruptcy, foreclosure, short sale, deed-in-lieu. Borrowers who got turned down at banks for outdated guidelines.
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Alt-Doc Program — Activator & Accelerator
No W2 · No Tax Returns Required
Income Options
Bank Stmt · P&L · 1099
Also Accepts
WVOE · Asset Util.
Max Loan
$3,500,000
Best For
Self-employed
12-month business or personal bank statements · P&L only · 1099 only · Written Verification of Employment (WVOE) · Asset utilization. Self-employed borrowers who can't show income on tax returns.
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DSCR Program — Accelerator
Rental Property Cash Flow Qualifies · No Personal Income
Qualification
Property cash flow
No Tax Returns
Required
Max Loan
$3,500,000
ITIN
Accepted
Debt Service Coverage Ratio — the rental income qualifies, not the borrower's personal income. No tax returns required. Ideal for investors with multiple properties or non-traditional income. ITIN version available for non-US citizens.
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Ally Program — No Income / No Employment
No Income Verification · No Employment Required
Income Docs
NONE required
Employment
NOT verified
CDFI Eligible
Yes
Best For
Underserved borrowers
No income and no employment verification required. Opens doors for underserved and under-banked borrowers who are credit-worthy but can't document income through traditional means. CDFI rate improvements available.
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ITIN Alt-Doc & DSCR
Non-US Citizens · No SSN Required
ID Accepted
ITIN (no SSN)
Property Types
Purchase + Refi
DSCR Available
Yes
CDFI Rate
Improvements avail.
For non-US citizens with Individual Taxpayer Identification Numbers. Alt-Doc income verification options. DSCR version qualifies investment property using rental cash flow only. CDFI rate improvements for community borrowers.
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Foreign National Program
No US Residency Required · Investment Property
Residency Req.
None
Property Type
Investment / Refi
SSN Required
No
Max Loan
$3,500,000
For non-US residents who want to invest in US real estate. No US residency required. Investment property purchase or refinance. No US Social Security number needed. Fast close available.
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🏠

Non-QM Is Not Sub-Prime — It's Common Sense Underwriting

Today's Non-QM is not 2008 sub-prime. These are credit-worthy borrowers who simply don't fit conventional agency boxes — self-employed people who write off income, investors who live on rental cash flow, ITIN holders building the American Dream. Champions Funding's CDFI designation means they're mission-driven lenders committed to expanding homeownership, not exploiting it.

Ready to Get Funded?

One call connects you to 250+ lender sources. We match your profile to the right program — no runaround.

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