Judy Treichler Champion Funding

10/20/2026

10/20/2026

NAMB National 2026 is a wrap, and I’m still thinking about the conversations from the show floor.

I walked in expecting handshakes. I walked out with new friendships that I think will turn into real partnerships.

Something is shifting in this industry. The brokers who are adding Non-QM now aren’t waiting for the market to come back. They’re building a second pipeline that doesn’t depend on it.

That’s what we talked about all weekend. The self-employed borrower. The investor. The buyer with assets and no paycheck. The ones who get a no everywhere else and don’t have to.

Equity First, Bank statements, P&L, DSCR, no-ratio on primary and second homes. All of it under one roof at Champions.

To everyone who stopped by the booth, thank you. You made it worth the trip. If we didn’t get to meet, what’s the one borrower you keep turning away?

Judy Treichler
Account Executive, Team Chi
[email protected]

hashtag hashtag hashtag hashtag hashtag

10/14/2026

He left his job in the spring. Started his own business. Had the money. Had the credit. Wanted to buy his family a home.

Every lender said the same thing. No income, no deal.

Wrong question.

It’s not “what’s his paycheck?” It’s “what does he have?”

Ally. Primary residence or second home. No income. No employment. No DTI. Up to 80% LTV on a purchase at 740+. No prepayment penalty.

620+ FICO. Six months reserves up to 75% LTV.

First-time homebuyer? Just two months.

Stop sending the borrower home because the paycheck is missing. Look at the assets.

What’s the file you’ve been sitting on?

-Judy

Judy Treichler
[email protected]

10/07/2026

"Date the rate, marry the house."

I've heard it a lot these past few weeks. My problem with it? Nobody can promise the rate calls back.

So let's talk about the deal in front of you instead.

A lot of you have this file right now. Your borrower qualified in late summer. Same job. Same income. Same house. Then the payment moved, and the DTI slid right past the line.

Before you tell them to wait it out, look at Ally No Ratio.

Primary and second homes. No income, no employment, so there's no DTI to break.

What it does look at is the borrower: credit starting at 640, a clean 12 months on the mortgage, and real reserves. Up to 80% on a purchase with a 720+ score. And no prepayment penalty.

DTI is one way to measure a borrower. It isn't the only one. In the Non-QM space, solutions and velocity matter just as much as rate.

How many files in your pipeline got pushed out by the payment, not the borrower?

Judy

10/05/2026

https://www.linkedin.com/posts/judy-treichler-6663069_teamchi-nonqm-mortgagenews-activity-7513014803938934785-VFht?utm_source=share&utm_medium=member_desktop&rcm=ACoAAAGloC4BSmMq1bkVOxhnkwCb02cachDWwUc

I had to pause when I saw this. Most days, I’m focused on the next call or the next file. I don’t always stop to look back at what the month added up to Thank you to the people who trusted me along the way, and to Marilyn and Erika and the entire teamCHI for making this such a good place to be a...

10/02/2026

NAMB National brings independent mortgage professionals together to connect, learn, share ideas, and build the relationships that move business forward. The full conference runs October 16–19, with the main weekend programming taking place Saturday and Sunday.

If you’re making the trip to Vegas, come find Judy and Erika and say hello. We’d love to connect, talk Non-QM, hear what you’re working on, and help you find more ways to get difficult deals across the finish line.

See you at NAMB National.

Judy

09/29/2026

It was great to see you in Vegas, mortgage champs! The connections and energy at Originator Connect & Non-QM Summit were incredible. Our team loved connecting with mortgage professionals, sharing how we can help turn more opportunities into closed loans.

One of the biggest conversations? Equity First, our newest product launch designed to bring even more possibilities to the table. 👀

It was great to see you in Vegas, mortgage champs! The connections and energy at Originator Connect & Non-QM Summit were incredible. Our team loved connecting with mortgage professionals, sharing how we can help turn more opportunities into closed loans. One of the biggest conversations? Equity Firs...

09/25/2026

09/25/2026

A few missed mortgage payments shouldn’t mean game over. When other lenders see mortgage lates, they may see a dead deal. At Champions Funding, we look at the full scenario, including equity, program fit, and exception opportunities to find a path forward.

Our flexible Non-QM solutions are built to help you rescue more deals, solve more scenarios, and keep more borrowers in play. Before you give up on a deal with mortgage lates, give Champions a second look.

Here are a few ways we keep deals in play:
• Rolling 30-day lates up to 6 months count as 1 month
• We don't cap LTV when borrowers have 1x30x12 for DSCR
• Less than perfect credit OK
• Use equity to qualify with no min. FICO Equity First products

Explore our Non-QM programs: https://www.champstpo.com/programs

09/22/2026

You know this borrower.

Retired. Liquid. Clean credit. Ready to buy.
No W-2. No current income. Conventional underwriting looks right past them.

But the money is there — it just doesn't look like income on paper. That's not a broken borrower. That's a mismatch between the right tool and the wrong box.

Asset depletion exists for exactly this. You already know how it works. The question is whether you have a lender who's actually running these files well.

We do. DM me or email me anytime. :)

Judy Treichler Champion Funding
[email protected]
�Team Chi | Champions Funding