Convert part of your home’s equity to cash without altering your low first mortgage rate.
- Fast Digital HELOC: Fully Automated, Unlock Your Home’s Equity in 7 Days
- Fixed rates, predictable payments, higher loan limits (HELOAN)
- Unlock up to 90% of your property’s appraised value
- Get financing from $75,000 to $550,000
- Flexible terms: 10, 15, 20, and 30 years
- Self-employed? Use Bank Statements as Income Proof
- Use the funds for home improvements, education, or other major expenses
- Potential tax benefits on interest payments (consult your tax advisor)
- No impact on your existing mortgage terms
- Competitive interest rates compared to personal loans or credit cards
Cash-Out Refinance
Use part of your home’s value to fund projects with one new monthly payment.
- 10 to 30 year term
- Get financing by using up to 80% of your home’s value
- Up to 100% of your home’s value on VA loan
- Get one fixed interest rate and payment
- Consolidate high-interest debt into a single, lower monthly payment
- Improve your home’s value through renovations and upgrades
- Access funds for large expenses like education, medical bills, or investments
- Potentially lower your overall interest rate compared to existing debts
- Flexible options tailored to fit your financial goals
- Maintain tax benefits associated with mortgage interest (consult your tax advisor)
Buy a home
If you’re looking to buy a home, we have a range of solutions available for you.
- VA Loans up to 100% LTV
- Low Down Payment FHA Loans
- Conventional Loans with LTV up to 97%
- Programs for Self-Employed & Gig Workers
- No Income Home Loan for Primary Residence
- First-Time Home Buyer Program
- Down Payment Assistance Program
- DSCR Rental Investment Property
- Non-Agency Programs with flexible qualification criteria
- Programs for Foreign Nationals / ITIN
- Jumbo Loans for High-Value Properties
- CalHFA Program
- Temporary Interest Rate Buydown available
- USDA Loans for Rural Areas
- Manufactured Loans
Discover Your Options
We can help you explore your options and run the calculations for you, without any obligation to submit an official application.
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Why Prime Choice Funding?
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.
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.
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.
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.