Do you need to buy a home or refinance but can’t because you can’t prove your income?
Our loan program offers smart underwriting to serve borrowers, eliminating unnecessary documents that are not part of the credit underwriting decision and complying with regulatory rules. This program is a practical option for those who are self-employed, own a small or cash-based business, are retired, or have a unique financial situation.
To be eligible for this program, you must have a credit score of 640 or above, a down payment of 20% for purchase, and some funds in your bank account. Cash-out refinances are eligible for up to 70% of the home’s value, and no income documents are necessary for qualification.
Our no-income home loan program can help you achieve your homeownership goals. Don’t miss out on this amazing opportunity!
HOW IT WORKS
Contact or Get Started Online
Our team of licensed loan officers is prepared to assist you with any inquiries you may have. Applying over the phone can be completed in as little as 10 minutes.
Secure Your Approval
Once you submit your loan application, our team will thoroughly review it, conduct a property appraisal, and complete the underwriting process to ensure your approval.
Secure Your Funds
Once all requirements have been met and we receive clearance to proceed, we will prepare the necessary loan documents. You will then sign the loan documents, and upon completion, your loan will be funded.
Why Prime Choice?
At Prime Choice Funding, our focus is on meeting the unique requirements and preferences of our customers when it comes to finding the perfect loan option. With a team of highly experienced Loan Officers and dedicated Operations professionals, we are committed to assisting homeowners in realizing their financing goals. Our mission is to deliver exceptional service and empower homeowners to achieve their financial aspirations. As specialists in serving self-employed home buyers and borrowers, we take pride in offering tailored solutions. If you face challenges providing income proof or have an abundance of tax deductions like many other business owners, we are here to provide the assistance you need.
What Our Clients Are Saying
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.
Scott and Angelina were helpful and kept us informed throughout the entire process. Thank you!
Markus and Adrianna were fantastic to work with. The process was smooth, hassle free and transparent. I absolutely recommend.
They provided excellent service and were efficient and timely. We closed on time with no issues.
This is not a commitment to make a loan. All approvals are subject to creditworthiness, underwriting guidelines, satisfactory title and appraisal on your home. Minimum and maximum loan amounts do apply. The final decision is subject to the lender’s approval and may be based on additional information or documentation that is required during the underwriting process. Not all applicants will qualify. Prime Choice Funding, Inc. is not affiliated with or acting on behalf of or at the direction of FHA, VA or the Federal Government.