Champions Funding
365 East Germann Road, Gilbert, AZ 85297
https://www.champstpo.com/
Internal Reviews
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Total loans closed with Loan Factory
0
Total loans closed with Loan Factory (past 12 months)
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Lender overview
Basic information
Champions Funding LLC ISAOA/ATIMA 365 E Germann Rd, Suite 140 Gilbert, AZ 85297 Loan #
Champions Funding LLC ISAOA/ATIMA 365 E Germann Rd, Suite 140 Gilbert, AZ 85297 Loan #
Lock policies & Fees
Lock Policies
5 & 10 days extension available at a cost
Yes
Lender's niche & Overlays
1.) 'Ally ' - No Ratio O/O ( No Ratio O/O and 2nd Home ( No Employment - No Income = No Ratio No DTI Calculations )
Lowered our Reserve requirements on Purchase and Refi's - Up to max 12 mos. 🤩
** FICOs as low as 660
** Up to 80% LTV Allowed Purchase and R & T
** 100% gift funds allowed for down payment and closing cost
** No VOR required on FTHB Purchases
2. Activator – Alt Doc -Qualify more borrowers without traditional documentation.
3. ITIN Activator – Alt Doc Qualify more borrowers without traditional documentation.
4. Accelerator – Business Purpose DSCR ( .75 ) | No Ratio DSCR - SFR , 2-4 units , Condo , PUD, non warrantable condo's , 5 to 8 units ( w/ min 1.0 DSCR w/ min $400K Loan amount )
5. ITIN Accelerator – Business Purpose DSCR -Investment opportunity for ITIN Borrower's Up to 80% LTV w/ a DSCR- down to .80 = < DSCR
6. Ambassador - Investment opportunity for Foreign National Up to a max 70 % LTV
We Allow Exception to all loans w/ Great Compensating factors
We Allow Exception to all loans w/ Great Compensating factors
1.) 'Ally ' - No Ratio O/O ( No Ratio O/O and 2nd Home ( No Employment - No Income = No Ratio No DTI Calculations )
Lowered our Reserve requirements on Purchase and Refi's - Up to max 12 mos. 🤩
** FICOs as low as 660
** Up to 80% LTV Allowed Purchase and R & T
** 100% gift funds allowed for down payment and closing cost
** No VOR required on FTHB Purchases
2. Activator – Alt Doc -Qualify more borrowers without traditional documentation.
3. ITIN Activator – Alt Doc Qualify more borrowers without traditional documentation.
4. Accelerator – Business Purpose DSCR ( .75 ) | No Ratio DSCR - SFR , 2-4 units , Condo , PUD, non warrantable condo's , 5 to 8 units ( w/ min 1.0 DSCR w/ min $400K Loan amount )
5. ITIN Accelerator – Business Purpose DSCR -Investment opportunity for ITIN Borrower's Up to 80% LTV w/ a DSCR- down to .80 = < DSCR
6. Ambassador - Investment opportunity for Foreign National Up to a max 70 % LTV
We Allow Exception to all loans w/ Great Compensating factors
Lender turn time
N/A
N/A
N/A
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