REQUEST TODAY’S RATES

We offer a diverse range of loan programs and provide expert guidance every step of the way.

Purpose Of Loan *

Amount to Cash-Out *

Current Loan Type (FHA / VA / Conventional) *

Current Interest Rate (enter as 4.25) *

Your Mortgage Balance *

$

Do you have a 2nd mortgage? If yes, how much do you owe? (Enter 0 if none) *

Occupancy *

What is your preferred term length? *

Property Type *

What is the outstanding balance of all your car loans? *

Your Credit Profile (720 to 579) *

Have you had any 30-day late payments in the last 12 months? *

Employment Status *

Are you a Veteran? *

Street Address

City

State

Postal code

First Name *

Last Name *

Phone *

Email *

Upload your Mortgage Statement (PDF, JPG, PNG). Use your phone to take a photo & qualify you for a $20 gift card

Are you interested in solar options to save on energy costs? *

Amount of current electric bill *

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 [email protected].

Hear from Our Happy Clients

See 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.

Richard L

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

Marisol F

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.

Cody S

Scott and Angelina were helpful and kept us informed throughout the entire process. Thank you!

Cody S

Scott and Angelina were helpful and kept us informed throughout the entire process. Thank you!

Home Equity Loans

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.

Your Home Equity Journey Starts Here – Our Team is Ready to Assist!

1-877-219-2864

Let’s get started, shall we?

Reach out to us today and discover the immediate support we offer. Our team of licensed loan officers is standing by, fully prepared to assist you with your unique financing needs. There’s no need to prolong the wait any longer. Take action now and secure the financing you require for your goals!

1-877-219-2864

Frequently Asked Questions

What is a Home Equity Loan?

A Home Equity Loan is a type of loan that allows homeowners to borrow against the equity they have built up in their property over time. It provides a lump sum of money that is repaid over a fixed term, typically at a fixed interest rate.

How does a home equity loan benefit homeowners with a low first mortgage rate?

Homeowners with a low first mortgage rate can utilize a home equity loan to access extra funds while preserving their favorable initial interest rate. The home equity loan works as a separate second mortgage, allowing them to tap into their home’s equity without affecting the terms of their existing low-interest first mortgage.

How is Home Equity calculated?

Home Equity is calculated by subtracting the outstanding mortgage balance from the current market value of the property. For example, if your home is valued at $300,000, and you have an outstanding mortgage of $150,000, your home equity would be $150,000 ($300,000 – $150,000).

What can I use a Home Equity Loan for?

Homeowners can use a Home Equity Loan for various purposes, such as home improvements, debt consolidation, funding education expenses, covering medical bills, or even starting a business. It provides flexibility in using the funds based on your financial needs.

How much can I borrow with a Home Equity Loan?

The amount you can borrow with a Home Equity Loan depends on the lender’s policies and your home’s equity. Typically, lenders allow borrowers to access up to 80-90% of their home’s appraised value, minus any outstanding mortgage balances.

What’s the difference between a Home Equity Loan and a Home Equity Line of Credit (HELOC)?

While both allow you to borrow against your home’s equity, a Home Equity Loan provides a lump sum upfront, and you repay it over time with fixed monthly payments. On the other hand, a HELOC works more like a credit card, allowing you to draw funds as needed up to a set credit limit during a specified draw period, and you only pay interest on the amount you’ve withdrawn.

What are the advantages of a Home Equity Loan?

Home Equity Loans often come with lower interest rates compared to other forms of credit, making them a cost-effective option for borrowing larger amounts. Additionally, the interest paid on Home Equity Loans is often tax-deductible, providing potential tax benefits for some borrowers.

* The 5-7 day approval estimate assumes optimal conditions; actual timeframe may vary. Applicants must meet specific criteria such as credit score minimums, employment verification, and property evaluation. This is not a commitment to make a loan. Approval is subject to credit review, underwriting guidelines, property evaluation, and the lender’s final decision. Not all applicants will qualify.

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.

By submitting the form above, you grant Prime Choice permission to contact you via phone, email, text, and other means. If you have any questions or concerns, please call 877-787-7463 or send an email to [email protected]. Privacy Policy | Terms of Use | SMS Terms | Licensing | Prime Choice Funding, Inc. | 1 Corporate Park, Suite 200 Irvine, CA 92606 | NMLS ID: 117375, NMLS Consumer Access | Equal Housing Lender | Arizona Mortgage Banker License #940991 | Texas State Compliance.

$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 [email protected].

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 [email protected] or call 877-787-7463.

Prime Choice Funding, Inc. | 1 Corporate Park, Suite 200, Irvine, CA 92606 | NMLS ID: 117375 | Equal Housing Opportunity.

2025 Prime Choice Funding, Inc.