Refinance or Tap Into Your Home Equity – Explore Your Options Today!

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Have You Been Waiting to Refinance or Cash Out? Now’s the Time to Explore!

VA Refinance | 30 Year-Fixed*
4.875% Rate
5.137% APR

*Terms and Conditions.

Get Started Today*

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Loan Purpose*

Whether you’re looking to lower your monthly payments through refinancing or access your home’s equity for extra cash, now is a great time to explore your options and see how much you can save. Let us help you find the solution that fits your needs.

Why Choose Prime Choice Funding?

Proven Track Record
Since 2007, we’ve helped families nationwide close nearly $10 billion in mortgages.
Access to Competitive Rates
As a national wholesale mortgage broker, we work with lenders to offer some of today’s most competitive rates and terms.
$1,000 Loan Offer Guarantee
If you find a better offer, we’ll match it or give you $1,000.**

Working with Prime Choice was a breath of fresh air. From start to finish, they demonstrated a genuine commitment to our best interests. The process was seamless, communication was excellent, and we successfully transitioned to a lower rate. A trustworthy company with caring employees who treat you like family—we would gladly work with them again.

Leniesha N.

This is the first time I have refinanced and the process was smooth and not complicated. This showed me there are still good people out there doing their job to the fullest.

Gail T.

The team at Prime Choice was fantastic to work with. The process was smooth, hassle-free, and transparent. I absolutely recommend them.

Doug B

They provided excellent service and were efficient and timely. We closed on time with no issues.

Richard L

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Ready to See What’s Possible?

Let us guide you toward smarter decisions. Discover your savings potential and take the first step today.

1-949-323-5283

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Tailored Mortgage Options

We offer flexible programs for first-time buyers, self-employed individuals, homeowners looking to refinance, access home equity, or investors.

Expert Guidance

Our team is here to guide you through every step, ensuring a smooth process whether you’re purchasing, refinancing, or tapping into your home’s equity.

*Terms and Conditions:
Prime Choice Funding, Inc. is not affiliated with your current lender nor is it an agency of the government. This offer may have been extended because credit criteria have been satisfied for the offer. This is not a commitment to make a loan. All approvals are subject to continued creditworthiness, underwriting guidelines, satisfactory title, and appraisal on your home. Minimum and maximum loan amounts do apply, and not all applicants will qualify.

Rate Disclaimer (Effective 09/27/2025)

This is an advertisement and not a commitment to make a loan. All loan approvals are subject to credit approval, underwriting guidelines, satisfactory title, and appraisal on your home. Minimum and maximum loan amounts apply. Not all applicants will qualify.

This offer is based on current lending limits, borrower eligibility, and credit guidelines. To qualify, the borrower must be an eligible Veteran, Active-Duty Service Member, or surviving spouse meeting VA loan program requirements. Loan approval and terms depend on credit, income, property type, and other factors.

When refinancing, total finance charges may be higher over the life of the loan. Depending on your closing date, you may be able to defer up to two mortgage payments; however, not all applicants will qualify. Deferring current mortgage payments increases your new loan amount and total finance charges.

The rate and APR shown are offered to borrowers with a 700 or higher middle FICO score, who are exempt from the VA Funding Fee, and have made at least six timely payments on their current mortgage. This offer is for a fixed-rate VA refinance only and does not apply to cash-out refinances.

Interest Rate: 4.875%
Annual Percentage Rate (APR): 5.137%
Discount Points: Up to 2.911 (1 point = 1% of loan amount)
Sample Loan Amount: $516,375
Estimated Principal & Interest Payment: $2,732.70/month for 360 months
(Excludes taxes and insurance; actual payment will be higher.)

VA guidelines require a 36-month recoupment period for refinances. Borrower may be required to bring funds to closing. This advertisement must be presented at the time of application to receive the offered rate.

Offer excludes manufactured homes, second homes, and investment properties. If you do not meet the criteria for this offer, your rate and terms may differ. Additional restrictions apply.

According to Freddie Mac’s Primary Mortgage Market Survey, the average 30-year fixed-rate mortgage was 6.50% for the week ending September 4, 2025, down from 6.68% in late August. Mortgage News Daily reported a 30-year fixed rate of 6.45% for the same week. Compared with rates exceeding 7% during 2022–2023, today’s rates remain among the lowest seen in recent years.

Rates and terms are subject to change without notice based on market conditions and borrower qualifications. This offer is available for a limited time and is subject to underwriting approval. Additional restrictions and conditions may apply. Discount points represent prepaid interest, and actual closing costs may vary. Not all applicants will qualify. For more information, a personalized quote, or the most current and up-to-date rates, please complete the form on our website, call Prime Choice Funding at 949-323-5283, or email us at info@primechoicefunding.com.

Explanation & Supporting Data

Clarifying “Near a 3-Year Low”

According to Freddie Mac’s Primary Mortgage Market Survey:

The 30-year fixed rate averaged 6.50 % during the week ending September 4, 2025, down from 6.58 % in late August FRED Mortgage News Daily.
Mortgage News Daily also reports the 30-year fixed at 6.45 % on September 4 Mortgage News Daily.
Comparing these rates to the elevated levels of early and mid-2022 to 2023 (when rates often exceeded 7 %), a drop to around 6.5 % indeed marks one of the lowest points in nearly three years.

Current Rate Benchmarks (September 5, 2025)

NerdWallet cites an APR of 6.58 % for a 30-year fixed mortgage on the morning of September 5 NerdWallet.
Bankrate reports today’s average at 6.48 % Bankrate.
The Mortgage Reports lists a 6.565 % rate The Mortgage Reports.
Yahoo Finance shows 6.36 %—which may reflect a specific lender or region Yahoo Finance.

All sources confirm rates hovering in the mid-6% range, reinforcing that mortgage rates are indeed notably lower now than in recent past years.

$1,000 Loan Offer Guarantee
We will match or beat any mortgage offer — or pay you $1,000. Terms apply. See full details at primechoicefunding.com/offer-guarantee.

$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.

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. | 17852 E 17th St, Suite 107, Tustin, CA 92780 | NMLS ID: 117375 | Equal Housing Opportunity.