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Meet the Champs of Non-QM.
Why Champs TPO
Learn more about Champions Funding.
News & Media
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What is a CDFI?
Learn more about our CDFI certification.
What is Non-QM?
Learn how the Champs find solutions for you.
Loan Product Overview
Highlight of our full product suite
Ally
No Income & No Employment Verification
Activator
Alt-Doc | Non-Traditional Borrowers
Accelerator
DSCR | No Ratio
Ambassador
Foreign National | DSCR Properties
ITIN Activator & ITIN Accelerator
For Non-U.S. Citizens
Forms & Guidelines
Download the latest forms & resources available.
Homeownership Counseling
Get started on your journey to homeownership.
Broker Training
Accessible training sessions to help you succeed.
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Wholesale Quick Pricer
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Meet HERO
The preferred Non-QM Broker Portal just for you.
State Licensing
Find what states the Champs are licensed in.
Consumer vs. Business Purpose Loans
Comparison of O/O & NOO loan programs.
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Consumer Purpose Guidelines
Ally
- No Ratio Matrix
October 16, 2023
Ally
- No Ratio Full Guidelines
December 11, 2023
Activator
- Alt Doc Matrix
October 17, 2023
Activator
- Alt Doc Full Guidelines
December 11, 2023
ITIN Activator
- Alt Doc Matrix
December 13, 2023
ITIN Activator
- Alt Doc Full Guidelines
December 13, 2023
Primary Residence & Second Homes
No Income/Employment Verification -
Ally Matrix
October 16, 2023
Alt-Doc
- Activator Matrix
December 11, 2023
Full-Doc
- Activator Matrix
October 17, 2023
ITIN Full/Alt-Doc
- Activator Matrix
December 11, 2023
Foreign National Full/Alt-Doc
- Ambassador Matrix
December 13, 2023
Super Jumbo Full/Alt-Doc
- Matrix
October 16, 2023
Business Purpose Guidelines
Accelerator
- DSCR | No Ratio Matrix
October 16, 2023
Accelerator
- DSCR | No Ratio Full Guidelines
December 11, 2023
Accelerator
- Full/Alt-Doc Matrix
October 16, 2023
Accelerator
- Full/Alt-Doc Full Guidelines
December 11, 2023
ITIN Accelerator
- DSCR Matrix
October 16, 2023
ITIN Accelerator
- DSCR Full Guidelines
December 13, 2023
Ambassador
- Foreign National | DSCR Investment Properties Matrix
December 12, 2023
Ambassador
- Foreign National | DSCR Investment Properties Full Guidelines
December 14, 2023
Investment Properties
DSCR 1-4 Unit
- Accelerator Matrix
December 11, 2023
DSCR 5-8 Unit
- Accelerator Matrix
December 11, 2023
Alt-Doc
- Accelerator Matrix
October 16, 2023
Full-Doc
- Accelerator Matrix
October 16, 2023
ITIN DSCR
- Accelerator Matrix
October 16, 2023
Foreign National DSCR
- Ambassador Matrix
October 16, 2023
Business Purpose Forms
State Licensing Matrix (Business Purpose)
May 23, 2023
Prepayment Penalty Matrix (Business Purpose)
May 23, 2023
Automatic Payment Authorization Form
January 28, 2022
Borrower Certification of Business Purpose
December 6, 2021
Business Purpose Broker Attestation - New York
December 6, 2021
Business Purpose Broker Attestation - New Jersey
December 6, 2021
Appraisal Resources
Appraisal Transfer Policy
June 13, 2023
Appraisal Transfer Out Policy
June 7, 2022
Appraisal Payments via Credit Card
June 7, 2022
How to Resend Credit Card Payment Link
December 6, 2021
Condominium Project
Limited Review Condo Questionnaire
June 7, 2022
Condo Project Warranty Certification
December 6, 2021
Full Review Condo Questionnaire
June 7, 2022
Developer-Builder Questionnaire
December 12, 2021
Frequently Used Resources
12-Month Bank Statement Calculator
August 11, 2023
Business Narrative Form (Self-Employed)
December 6, 2021
Business Narrative Form (ITIN Self-Employed)
December 6, 2021
CDFI ADA Eligibility & Attestation Form
June 13, 2023
Champs Mortgagee Clause
August 29, 2023
Closing Information Form
October 18, 2022
COC Request
December 8, 2021
CO Loan Originator Reasonable Inquiry
July 28, 2022
Commercial Application - DSCR
March 30, 2023
Commercial Application – Income
March 30, 2023
Credit Vendors
January 21, 2022
Credit Authorization Form
January 21, 2022
Exception Request Form
March 30, 2023
E-Sign Instructions
February 3, 2022
Florida Foreign National Borrower Affidavit (Individual)
December 28, 2023
Florida Foreign National Borrower Affidavit (Entity)
December 28, 2023
Form 4506-C
March 30, 2023
Form SSA-89
September 22, 2023
Gift Letter
December 9, 2021
December 9, 2021
Compensation Fact Sheet
LLC Multiple Member Certificate
December 9, 2021
LLC Single Member Certificate
December 9, 2021
Non-QM Full Doc Eligibility Form
March 30, 2023
WVOE
March 30, 2023
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