Mortgage Loans | Prime Choice Funding, Inc.

Unlock Your Financial Dreams with Our Diverse Loan Products

At Prime Choice Funding, Inc., we’re dedicated to empowering your journey towards homeownership and financial success. With a broad spectrum of loan options designed to meet various needs, we ensure that whether you’re buying a new home, investing in real estate, or leveraging your home equity, you have the support and resources to achieve your goals.

First-Time Homebuyer? Explore Our Welcoming Options

FHA Loans: Begin your homeownership journey with confidence. Our FHA loans offer lower down payments and are more accommodating of lower credit scores.
Conventional Loans: Competitive rates and flexible terms for borrowers with FICO scores starting at 620.
Down Payment Assistance (DPA) Available: For eligible first-time homebuyers, take advantage of Down Payment Assistance programs designed to help make your transition into homeownership more accessible and affordable.

>> Discover Your Loan Options.

Looking for additional funds to tackle debt, enhance your home, or for any other reason? We’ve got your financial solutions!

Home Equity Loans (HELOAN): Access a lump-sum loan with fixed rates for predictable repayment, ideal for large, one-time expenses.
Home Equity Line of Credit (HELOC): Enjoy flexible access to funds with a line of credit that adapts to your ongoing financial needs.
Cash-Out Refinance: Tap into your home equity to secure a new loan that’s larger than your current mortgage. The difference is paid to you in cash, perfect for consolidating debt, making home improvements, or covering other significant expenses.

>> Find Your Qualification Amount

Veterans and Service Members, Your Service Is Valued Here

VA Loans: Competitive rates plus benefits like zero down on home purchases, up to 100% LTV for both purchases and refinances, no PMI, all in honor of your service.

>> Get Started

Discover the Financial Freedom: How a Reverse Mortgage Can Help You

Reverse Mortgages: If you’re 62 or older, supplement your income by tapping into your home equity, retaining home ownership.

Foreign Nationals: Making U.S. Homeownership Accessible

ITIN Loans: Secure a home loan with an Individual Taxpayer Identification Number, opening the door to homeownership without a Social Security number.

Self-Employed Individuals, Gig Workers & Investors: We Understand Your Needs

Bank Statement Loans: Qualify for a mortgage using your bank statements as proof of income, perfect for entrepreneurs and gig economy workers.
Asset Utilization Loans: Turn your liquid assets into proof of income, offering a smart solution for self-employed professionals to qualify for a loan.
DSCR Loans: Use your property’s cash flow to qualify, ideal for expanding your investment portfolio without traditional income documentation.
P&L Loans: Leverage your business’s profit and loss statements for loan qualification, offering flexibility for serial investors.
No Income Home Loans: Focus on your assets rather than income to qualify for financing, perfect for those with non-traditional income sources.
1099 Program: Tailored for freelancers and contractors, this program uses 1099 forms to facilitate loan qualification, simplifying the process for those with variable income.
P&L Loans: Designed for business owners and serial investors, utilize profit and loss statements for loan approval, offering a flexible approach to financing.

>> Discover Your Loan Options.

Unlock Your Financial Potential - Get Your Free Quote

Buy Refi Other

I’m a Veteran looking to buy a home.

VA Purchase Loan

I want a traditional mortgage with fixed or adjustable rates.

Conventional Purchase

I’m buying my first home / I need a lower down payment.

FHA Mortgage

I need a mortgage with higher limits.

Jumbo Mortgage

I’m interested in investment properties.

Investor Solutions

I’m self-employed or have non-traditional income.

Self-Employed/Bank Statement Loan

I’ve had a foreclosure, short sale, or bankruptcy.

Fresh Start Mortgage

I want to use liquid assets to qualify.

Asset Utilization Mortgage

I’d like to have a lower mortgage payment.

Temporary Interest Rate Buydown

I want a lower rate on my existing mortgage.

Streamline Refinance

I have an FHA loan and want to refinance.

FHA Refinance

I have a VA mortgage.

VA IRRRL

I want to get cash out from my home without a HELOC.

Cash-Out Refinance Loan

I want to get cash out with a VA loan.

VA Cash-Out Refinance

I have equity in my home and need to cash out

HELOAN or HELOC

My situation is unique / I don’t qualify under conventional requirements.

Flexible Choice Solutions

Unsure What’s Right For You?

Get in touch with our Mortgage Team. We’ll walk you through options based on your situation.

Find a Mortgage Loan Originator Call Us: 877-787-7463 Submit a Scenario Apply Now

Our Process

How we get home loans done.

1 - Connect With Our Team

You can reach one of our Mortgage Loan Originators by choosing one of the following:

By Phone 1-877-787-7463
Fill out your quote. We connect you with a Mortgage Loan Originators who will reach out and set up a time to speak with you.

2 - Set Your Goals

Every situation is unique. Our Mortgage Loan Originators will walk you through your options. Find out about monthly payment options so you can identify what you qualify for and what you can afford.

3 - Select Your Loan Program

When financing a home, you want to make sure the loan program you get into is the right fit for you. With our Flexible Choice line of products, we have the program to fit your unique needs. Our Mortgage Loan Originators can help walk you through the options and help you determine what fits your situation.

4 - See if You Can Get Approved

Once you determine that loan that is right for you, it’s time to run your credit and complete a loan application. Your credit report and loan application will be submitted to our automated underwriting engines to determine whether you meet the underwriting guidelines or not. Note: not all consumers will be approved and closed.

5 - Submit Requested Items

Your Mortgage Loan Originator will send you a list of items that are needed to underwrite your application. It’s important to provide all the necessary documentation up front and in a timely manner so that the underwriter assigned to your loan can issue a Loan Approval and work towards getting your loan closed.

6 - Close Your Loan!

After submitting your paperwork for underwritten approval, it’s time to close your loan. The closing of your loan is one of the final steps before your loan can be funded. A loan closing takes place either with a mobile Notary, who will bring the final paperwork to you or with a closing agent, often chosen by the sellers. Note: not all consumers will be approved and close.

Discover financial empowerment with Prime Choice Funding’s diverse loans, designed for homeownership and investment success, supported by expert guidance.

Loan Programs for Self-Employed & Gig Workers: Unleash your entrepreneurial potential with our custom-designed financing solutions. Qualify through bank statements and more, crafted just for business owners and freelancers.
Down Payment Assistance for First-Time Buyers: Explore programs designed to help first-time homebuyers with down payments, alongside other eligible programs.
No Income Verification Home Loans: Simplify your path to homeownership without traditional income verification.
Cash-Out Refinancing vs. Home Equity Loans: A comparison to help you choose the right option for leveraging home equity.
FHA and VA Loans: Government-backed loans with lower or no down payment options for eligible buyers, including veterans.
Investment Property Loans: Financing options crafted for real estate investors to maximize investment property potential.

Rest assured, with Prime Choice Funding’s comprehensive selection of loan solutions and dedicated support, we’re here to back every step of your financial journey, making sure your path to homeownership and investment prosperity is clear and well-supported.

Unlock Your Financial Potential - Get Your Free Quote

Prime Choice Funding, Inc.

1100 Town and Country Rd,
Suite 1250, Office 1206
Orange, CA 92868

NMLS ID: 117375
DRE License # 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.