
Senior Mortgage Originator, Champion Bank
With a 100% closing record on home purchases and a deep passion for the industry, Judith Downes is a powerhouse in the mortgage lending world. Known for her tenacity and creative problem-solving, Judith specializes in making homeownership a reality for clients who have been told “no” elsewhere.
Whether you are a first-time homebuyer, looking to refinance, or investing in multi-family and commercial properties, Judith’s approach is rooted in partnership. She combines a master-level knowledge of loan guidelines with a background in international consulting to navigate even the most complex financial landscapes.
Areas of Expertise
Judith offers a comprehensive suite of lending products backed by the stability of Champion Bank, a state-chartered, FDIC-insured institution:
- Residential: Conventional, FHA, VA, and USDA loans.
- Specialized Lending: Construction, Commercial, and Multi-family properties.
- Creative Solutions: Expert guidance for complex files and unique financial profiles.
Why Work with Judith?
Judith’s success is built on one simple principle: Listening. She understands that every client’s goal is unique, and she works diligently to find the optimal mortgage for your specific circumstances. Backed by a dedicated team and a track record of excellence, Judith ensures a smooth, professional, and reliable experience from application to closing.
Contact Judith today to experience a creative, expert approach to mortgage lending.


