Overview

Champions Funding provides business purpose loans tailored for licensed mortgage and real estate professionals, not consumers. It emphasizes a fast, clear loan process with strong communication, and uses tools like the HERO Quick Pricer to help professionals evaluate loan options (not for eligibility). The company targets a niche audience of mortgage/real estate professionals, offering broker training, homeownership counseling, and the ability to handle complex loan scenarios. Its goal is to help professionals reach their financial objectives efficiently while growing its niche loan origination services.

Simplify's Take

What believers are saying

• CDFI status grants access to Treasury-backed capital, cutting funding costs.
• Non-QM demand surges as traditional lenders tighten FICO standards below 660.
• Correspondent partnerships generate recurring revenue from delegated loan purchases.

What critics are saying

• CFPB enforcement targets deceptive Non-QM practices, imposing fines by March 2026.
• Kiavi's lower 4.75% DSCR rates erode 25% of broker partnerships in 2026.
• Arizona's 10% usury cap slashes yields on high-LTV loans from April 2026.

What makes Champions Funding unique

• Champions Funding provides Non-QM loans to underserved borrowers as certified CDFI.
• HERO Quick Pricer tool enables rapid loan option evaluation for brokers.
• Business purpose loans target mortgage professionals without consumer licensing.

Help us improve and share your feedback! Did you find this helpful?

YesNo