Brokers: Earn More. Fund the Deals Others Can’t.

We turn below 1.0 DSCR into above 1.0
and turn rejections into commissions.

They Save. You Score.

More approvals. Smarter calculations. Faster closings. No unnecessary declines.

THE CHAMPIONS ADVANTAGE

Why Brokers Choose Us

We use our exclusive DSCR Asset Utilization method to turn sub-1 DSCRs into 1.0+ 
and get your deals across the finish line.

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STOP LOSING DSCR DEALS

Get Them Approved with Champions Funding

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Dear Frustrated Broker, 

How many deals have slipped through your fingers because a lender said, “The DSCR is too low for that LTV”? How often have you watched a borrower walk away simply because the rates on below 1.0 DSCR are so high?
You’re not alone. Most lenders either decline low DSCR loans or price them like hard money loans without offering a real solution.
At Champions Funding, we take a different approach. Instead of saying “No,” we turn sub-1 DSCRs into 1.0+—consistently.
If your borrower has assets, we can turn their loan into an approval.

Programs Designed to Help
You Win More Deals

  • DSCR Asset Utilization | Convert Tough Numbers into Approvals
    Instead of declining low DSCR loans, we factor in liquid assets to boost the DSCR to qualifying levels. We’ve turned 0.5 DSCRs into 1.5+—and we can do it for your clients, too.

  • Bank Statement Express – Just 12 Pages, Not 100+
    Self-employed borrowers get buried under paperwork. We make it easy: No endless pages of bank statements—just 12 summary pages. And our default expense ratio is just 25% No more worrying about lumpy deposits or NSF’s.

  • Owner-Occupied No Ratio Loan – No Income, No Employment? No Problem.
    Some lenders demand extensive documentation. We approve borrowers using LTV & FICO alone—no income or employment verification required.

  • 21-Day Closings – No Surprises, No Delays
    Slow approvals and last-minute underwriting surprises kill deals. With Champions Funding, if your deal fits, it funds—period.

Real Brokers, Real Results

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A broker was about to lose a 0.5 DSCR purchase deal because the lender wouldn’t approve it at 80% LTV. Using our asset utilization method, we got it to 1.5+, saving the borrower 1.25% on rate and unlocking 10% more LTV.
A self-employed borrower needed a bank statement loan but was asked to provide all of the pages of the statements. There were NSF’s and deposits the lender wanted sourced. The loan was declined. With Bank Statement Streamline, they submitted just 12 pages and closed in under 21 days.
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A borrower who wanted to purchase an owner-occupied home with a 720 FICO and 20% down, but without any form of verifiable income, was told they didn’t qualify. With our Owner-Occupied No Ratio Loan, they were approved using only LTV & FICO—no income or employment required.

This month alone…

  • We saved over 94 DSCR loans that other lenders rejected due to low DSCR

  • We rescued 47 bank statement loans that were rejected at another lender due to issues with lumpy deposits and NSF’s in the bank statements 

  • Our team closed 172 loans where the borrower didn’t have to prove income or employment on an owner occupied property

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Why Brokers Trust
Champions Funding

  • We get more deals approved:
    Our innovative approach rescues loans that would otherwise fall through.

  • We save you time:
    Faster approvals and less documentation mean fewer headaches.

  • We protect your reputation:
    Close more deals and deliver results for your clients.

  • We guarantee certainty:
    No last-minute surprises. If your deal fits, it funds—period.

Partner With Us & Apply Today

We work exclusively with mortgage brokers and loan officers who want more approvals, better solutions, and faster closings.

  • If you’re ready to stop losing deals, partner with us today.

  • Click below to apply & start closing more deals.

We look forward to helping you win more deals, grow your business, and build your reputation.

Talk soon,
Evan Stone
CEO
Champions Funding
(888) 210-9881 

P.S. If you’re tired of hearing “no” from lenders, let’s change that today. Apply now and see how Champions Funding can help you turn tough loans into funded deals.

Get Approved | Partner with Champions Funding

If your borrower has assets, we can turn their loan into an approval. Apply today and see why brokers nationwide trust Champions Funding.