Chose the stability of a traditional fixed rate mortgage, one of the most popular options for refinancing.
An option ideal for those who plan to stay in their homes short term or want lower payments.
FHA loans offer more flexibility and easier qualifications, perfect for refinancing less than ideal loans.
Active duty personnel and veterans can take advantage of competitive financing options unavailable to the general public.
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.
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 competitive financing terms. Our team consists of many VA loan specialists who can walk you through your options.
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
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.
VA Cash-Out Refinance
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.
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.
Designed for buyers or owners financing an investment property – no income qualification needed.
Setbacks happen. This program lets you get back into home ownership even a day out of foreclosure, short sale, or bankruptcy.
5% down, easier guidelines than the big banks, and larger loan limits – what’s not to love?
Qualify with liquid assets such as checking/savings accounts, stocks, IRA, 401k, etc.
Access US real estate through our Foreign National program. You may qualify if you:
Are a Canadian with no VISA
Are an eligible VISA holder or listed on the VISA Waver Program (VWP)
Are NOT listed on Exclusionary Lists, OFAC, or hold Diplomatic Immunity
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.