Become an Approved Non-Delegated or Delegated Correspondent Lender

Offer ITIN Loan Products for Consumer & Business Purpose Loan Types

Expanded Non-QM & DSCR Products for Consumer & Business Purpose Loan Types

Ready to become an approved partner? Please complete the information and a partner package will be sent via email.

Your Winning Partnership Awaits

Have questions? Our team is available to discuss partnering with the Champs as a Correspondent Lender.

Already an Approved Partner?

Your Winning Partnership Awaits!

Ready to become an approved partner? Please complete the information and a partner package will be sent via email.
Have questions? Our team is available to discuss partnering with the Champs as a Correspondent Lender.
Continue the Champions experience
align yourself with the best
Champions work with Champions
Your mortgage partner should work as hard as you do! We're proud to partner with you to grow your business, your pipeline, and your community. With a full suite of Non-QM offerings, plus strong communication and support, you'll be winning deals with the Champs.

Non-agency offerings

Access a broad range of unique loan programs for those who don't fit in agency boxes.

Modern technology

Breeze through submissions with the HERO broker portal that's easy to use & offers lightning-fast results.

Operational support

Less waiting, more closing. You've got direct access to empowered decisions makers.
the Raving fans have spoken
"10/10 service. Helped me complete a purchase in 12 days start to finish!"
- Dillon

Ready to Sign Up? Let's Get Started!

Ally
Owner-Occupied | No Ratio
Unlock the opportunity of homeownership to more diverse borrowers.
Highlights
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
Activator
Alt Doc | 40 YR I/O
Flexible solutions with broader qualification methods and documentation types.
Highlights
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
Accelerator Expanded
No Ratio | DSCR .50
More expansive guidelines
Highlights
Up to 80% LTV available
700+ FICO "No Ratio" DSCR .50 - .74
660+ FICO for cash-out, DSCR .75 - .99
FICOs as low as 620 accepted
No TRID disclosures or wait periods
Expanded states w/ no licensing required
Accelerator
DSCR | Investor
Debt Service Coverage Ratio options.
Highlights
Loan amounts up to $2.5M
Qualify using ITIA on Interest Only
Inexperience Investors accepted
Use short term rents on refinances
Transferred Appraisals accepted
Cash-out as reserves w/ 700+ FICO
Consumer Purpose

Ally

Owner-Occupied | No Ratio
Unlock the opportunity of homeownership to more diverse borrowers.
Highlights
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
Consumer Purpose

Activator

Alt Doc | 40 YR I/O
Flexible solutions with broader qualification methods and documentation types.
Highlights
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
Business Purpose

Accelerator Expanded

No Ratio | DSCR ≥ .50
More expansive guidelines
‍‍
Highlights
Up to 80% LTV available
700+ FICO "NO RATIO" DSCR ≥ .50 - .74
660+ FICO for cash-out, DSCR ≥ .75 – .99
FICOs as low as 620 accepted
No TRID disclosures or wait periods
Expanded states w/ no licensing required
Business Purpose

Accelerator

DSCR | Investor
Debt Service Coverage Ratio options

Highlights
Loan amounts up to $2.5M
Qualify using ITIA on Interest Only
Inexperience Investors accepted
Use short term rents on refinances
Transferred Appraisals accepted
Cash-out as reserves w/ 700+ FICO
Equal Housing Opportunity.
© 2025 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.