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Prime Choice Funding | Home Purchase Loans & Mortgage Refinance
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We’re Prime Choice Funding. We Get Home Loans Done. Our Values: Honesty, Responsibility and Transparency. We’re Dedicated to Helping Homeowners Finance Their Dreams. Providing Affordable Mortgages and Superior Customer Service.

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Why Prime Choice Funding?

Established in 2007, Prime Choice Funding, Inc is a family-owned business based in California that provides reliable home loan services to homeowners across the United States. Our company is committed to helping customers achieve the American Dream through financing solutions. Our team comprises seasoned Loan Officers and Operations professionals who prioritize the customer’s requirements and preferences to identify the best loan option. We firmly believe in taking care of our customers and provide exceptional customer service and competitive financing from the moment you connect with us. At Prime Choice Funding, Inc, we strive to help you achieve your financial goals and efficiently secure a home loan.

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What Our Clients Are Saying

At Prime Choice Funding, communication and transparency are cornerstones of how we get home loans done for you, our client. People turn to Prime Choice for a quick, hassle-free mortgage experience.

Thank you so much for helping me and my fiancé refinance my home to get a better rate and working with my loan. Thanks to Frank Ortiz for all your help and guidance. And special thanks to David Arnold for your patience and professionalism.

Marisol F

Scott and Angelina were helpful and kept us informed throughout the entire process. Thank you!

Cody S

Markus and Adrianna were fantastic to work with. The process was smooth, hassle free and transparent. I absolutely recommend.

Doug B

They provided excellent service and were efficient and timely. We closed on time with no issues.

Richard L
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Buy a HomeRefinanceFHA LoansVA LoansFlexible Choice
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Financing the American Dream

With a full range of Fixed Rate and Adjustable Rate options, get the funding you need for your dreams. With competitive rates, flexible loan options and exceptional client care, Prime Choice Funding gets home loans done.

Apply Now

Fixed Rate

Chose the stability of a traditional fixed rate mortgage, one of the most popular options for both purchase and refinance.

Adjustable Rate

An option ideal for those who plan to stay in their homes short term or want lower payments.

FHA

FHA loans offer more flexibility, lower down payments and easier qualifications.

VA

Active duty personnel and veterans can take advantage of competitive financing options unavailable to the general public.

Jumbo

Need higher limits? We’ll work with you to get competitive rates and terms for your Jumbo Mortgage.

Flexible Choice

Our Flexible Choice programs are designed to go beyond conventional loan options, giving you the solutions you need in any situation:

  • Self-Employed/Blended Income
  • Investor Solutions
  • Fresh Start
  • Asset Utilization
  • Foreign National

Save for What Matters

Take advantage of historically great interest rates, change your loan program/term, or even get cash out of your home. Discover your options today.

Apply Now

Fixed Rate

Chose the stability of a traditional fixed rate mortgage, one of the most popular options for refinancing.

Adjustable Rate

An option ideal for those who plan to stay in their homes short term or want lower payments.

FHA

FHA loans offer more flexibility and easier qualifications, perfect for refinancing less than ideal loans.

VA

Active duty personnel and veterans can take advantage of competitive financing options unavailable to the general public.

Cash-Out Refinance

Access the equity in your home without a Home Equity Loan. With a Cash-Out Refinance, you can get cash out for whatever you need: emergency expenses, repairs, vacations or even starting your own venture.

Buy or Refi with FHA Programs

These popular loan options are insured by the Federal Housing Administration (FHA), allowing for more lenient credit, income, and down payment requirements compared to traditional mortgages.

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Why FHA?

FHA Loans offer a number of benefits conventional mortgages don’t offer:

  • Offer a way to purchase or refinance with less-than-perfect credit
  • Down payment assistance options are available
  • Lower your existing FHA rates or convert a traditional loan to an FHA program
  • Less stringent guidelines for recent financial difficulties (e.g. bankruptcy, short sale, foreclosure)

Requirements and Qualification

Loan Amount

FHA home loans have maximum mortgage limits that vary by state and county.

Down Payment

FHA guidelines require a minimum down payment of 3.5%.

Property Condition

The home being purchased must meet certain conditions and be appraised by an FHA-approved appraiser. New FHA loans are only available for homes intended as the buyer’s primary residence.

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Serving Those Who Serve

We help service members, veterans and eligible surviving spouses achieve the dream of home-ownership. As part of our mission to serve you, we provide VA insured loan programs to help you buy, build, repair, retain, or adapt your home to your needs.

Your status gives you access to some of the great financing terms in the market. Our team consists of many VA Mortgage Loan Originators who can walk you through your options.

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Advantages of VA Loans

VA backing means you get access to more favorable terms, even with private lenders. This can include:

  • No early payoff fees
  • Assistance programs if you have trouble making payments
  • No private mortgage insurance premium required
  • No down payment options within certain limits

The VA’s Role

Most VA Home Loans are serviced by private lenders, and the VA rarely gets involved in the approval process. The VA insures the loan, guaranteeing a portion of it in the event something goes wrong and you can’t make payments. The lender (i.e. Prime Choice Funding) can go to the VA to cover any losses.

Purchase and Refinance

Purchase Loan

Standard purchase loans can help you buy at competitive interest rates, even if you have trouble finding financing. These programs include terms and benefits unavailable to the general public.

Interest Rate Reduction Refinance Loan (VA IRRRL)

With easier refinancing options than traditional programs, you can lower your rates and save for what matters. Some of the benefits include no appraisal, no out of pocket costs, and you can streamline investment homes as well.

Renovation Loans

VA Renovation Loans

Looking to buy that fixer-upper? Want to remodel or repair your current home? This program is designed for you.

A VA Renovation Loan allows for no money down financing, with the value of the loan covering the purchase price and the cost to remodel and repair. This loan option is intended for minor updates and non-structural repairs.

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Flexible Solutions for Any Situation

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What is Flexible Choice?

Prime Choice Funding is excited to announce we now offer our borrower’s a Flexible Choice℠ to meet their purchase, refinance and cash-out refinance needs. Our growing list of products gives you access to flexible solutions for any situation, from self-employed mortgages to foreign national loans.

What Are My Options?

Self-Employed/Bank Statement Mortgage

Designed for Self-employed borrowers where traditional documentation requirements are an issue. Allows for blending of income between wage earner’s pay-stubs and the self-employed borrower’s bank statements.

Investor Solutions

Designed for buyers or owners financing an investment property – no income qualification needed.

Fresh Start

Setbacks happen. This program lets you get back into home ownership even a day out of foreclosure, short sale, or bankruptcy.

Jumbo Loans

5% down, easier guidelines than the big banks, and larger loan limits – what’s not to love?

Asset Utilization

Qualify with liquid assets such as checking/savings accounts, stocks, IRA, 401k, etc.

Get Started

Partner Sites

Link to Partner Site
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Home Loans Start Here

Discover the financing options you need. Click below to begin.

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Prime Choice Funding, Inc.

17852 17th St. Suite 107
Tustin, CA 92780

NMLS ID: 117375
Arizona Mortgage Banker License #940991
California Department of Real Estate #01806911

NMLS Consumer Access
Texas State Compliance

This website provides information only and does not guarantee credit or loan approval. Dates and information are subject to change without notice. All loan products are subject to credit approval.

Prime Choice Funding, Inc. is not affiliated with or acting on behalf of or at the direction of FHA, VA or the Federal Government.

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