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? Get a Home with Ease!

  • 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.
Find Your Perfect Loan Today

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.
Explore Your Cash-Out & Equity Options

Veterans and Service Members: Zero Down Payment, No PMI!

  • 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 Your VA Benefits Now

Discover the Financial Freedom with a Reverse Mortgage

If you’re 55* or older, a reverse mortgage can be a powerful tool to unlock the equity in your home while maintaining ownership. Supplement your retirement income, pay for medical expenses, or simply enjoy more financial flexibility. With no monthly mortgage payments required, you can turn your home into a resource to support your lifestyle or plan for the future. Whether you’re 55+ or 62+, we have a range of programs to fit your needs. Let us guide you through the process and ensure you make the most of your home’s value.

*Reverse Mortgage borrowers must be 62 or older for most programs; some accept 55 or older—check lender guidelines.

See How Much You Qualify For

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.
  • Foreign National Loans: Tailored for non-U.S. citizens, this loan program allows foreign nationals to purchase property in the U.S. without traditional documentation, making it easier to invest in U.S. real estate.
Explore Your Loan Options

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

Expand Your Investment Portfolio with DSCR Rental Cash Flow Loans

For real estate investors, qualifying based on traditional income can be limiting. With a Debt Service Coverage Ratio (DSCR) Loan, you can qualify based on your rental property’s cash flow, not your personal income. This program is ideal for investors looking to grow their portfolio or finance additional properties without the need for extensive income documentation. Unlock the potential of your rental income and take the next step in building wealth through real estate.

Maximize Your Rental Property’s Potential

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.

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.

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.

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.

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.

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.

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.

Accessibility Toolbar