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We offer a diverse range of loan programs and provide expert guidance every step of the way.
Hear from Our Happy Clients
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.
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
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.
$1,000 Loan Offer Commitment
We will match or beat any mortgage offer — or pay you $1,000. Terms apply. See full details at primechoicefunding.com/offer-commitment.
$20 Savings Plan Incentive
To qualify, participants must complete the form and upload a valid mortgage statement. Limit one incentive per household. Incentive will be mailed within 30 days of eligibility verification. Offer void where prohibited. Prime Choice Funding, Inc. (NMLS #117375) reserves the right to modify or cancel this offer at any time. Participation does not obligate you to refinance or apply for a loan. Savings analysis results may vary.
Privacy & Communication Consent
By submitting, you authorize Prime Choice Funding to contact you by phone call, text message, email, and/or automated systems, including artificial or prerecorded voice. Consent is not required to apply. Message and data rates may apply. Questions? Contact us at info@primechoicefunding.com.
Licensing & Legal Disclosure
Prime Choice Funding, Inc. (NMLS #117375) is a licensed mortgage lender and broker. We are not affiliated with, endorsed by, or acting on behalf of any government agency. This is not a commitment to lend. All loan approvals are subject to creditworthiness, underwriting guidelines, satisfactory title, and appraisal. Final loan decisions are subject to lender approval and may require additional documentation during underwriting. Not all applicants will qualify. For licensing information, visit www.nmlsconsumeraccess.org.
AL Lic#22408 | AZ Lic#0940991 | AR Lic#117267 | CA DFPI Lic#603F471 | CA DRE Lic#01806911 | CO Lic#117375 | DC Lic#MLB117375 | DE Lic#025874 | FL Lic#MLD1505 | GA Lic#48008 | ID Lic#MBL-9234 | IN Lic#38334 | KY Lic#MC410331 | LA Lic#117375 | MA Lic#MC117375 | MD Lic#21456 | MI Lic#FL0020964 | NC Lic#B-230942 | NH Lic#21548-MB | NJ Lic#NJ-C-01020 | NM Lic#117375 | NV Lic#5024 | OH Lic#RM.804338.000 | OR Lic#ML-4926 | PA Lic#105337 | SC Lic#DCA-117375 | TN Lic#135287 | TX SML NMLS#117375 | VA Lic#MC-5862.
Texas Residents
If the new loan is subject to Section 50(a)(6) and the new loan to value exceeds 80%, you will not be eligible for this refinance. Additional restrictions may apply.
Figure: 7 TAC §80.200(b)
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
Contact Us
Questions? Contact us at info@primechoicefunding.com or call 877-787-7463.
Prime Choice Funding, Inc. | 1 Corporate Park, Suite 200, Irvine, CA 92606 | NMLS ID: 117375 | Equal Housing Opportunity.
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