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Content on this blog is for general informational and educational purposes only and should not be considered financial, legal, tax, or mortgage advice. Loan programs, guidelines, rates, terms, and availability are subject to change and may vary based on individual qualifications and other factors. Please contact Prime Choice Funding to discuss your specific situation and available mortgage options.

  • Home Equity, Mortgage Tips, Non-Agency (Non-QM), Refinance

Have a 3% Mortgage? You May Not Need to...

Have a low first-mortgage rate and need access to equity? Learn how a HELOC, fixed-rate home equity line, HELOAN, Non-QM second mortgage, or cash-out refinance may fit different homeowner situations.
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  • Home Purchase, Mortgage Tips, Non-Agency (Non-QM), Refinance

No-Income Home Loans: Primary and Second Home Options for...

Traditional income documentation does not fit every borrower. Learn how qualified borrowers may explore no-income home loans for primary residences and second homes.
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  • Investment, Mortgage Tips, Non-Agency (Non-QM)

Buying an Out-of-State Rental Property: Can You Qualify With...

Buying a rental property outside your home state? Learn how an eligible DSCR purchase loan may use rental income to help evaluate financing for an out-of-state investment property.
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  • Home Purchase, Non-Agency (Non-QM), Self-Employed

P&L Mortgage Loans: Can Self-Employed Borrowers Qualify Without Tax...

Self-employed and looking for a mortgage without relying on traditional tax-return income? Learn how certain P&L mortgage programs may allow eligible borrowers to qualify using a Profit & Loss statement.
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  • Home Purchase, Non-Agency (Non-QM), Self-Employed

1099 Mortgage Loans: How Self-Employed Borrowers May Qualify Using...

Self-employed or paid on a 1099? Learn how certain 1099 mortgage programs may allow eligible borrowers to qualify using 1099 income and how these options compare with bank statement and P&L mortgages.
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  • Home Buying, Non-Agency (Non-QM), Refinance, Self-Employed

Asset Utilization Loans: Can Your Savings and Investments Help...

Have significant savings or investments but income that doesn't fit traditional mortgage guidelines? Learn how an Asset Utilization loan may allow eligible financial assets to help you qualify for a mortgage.
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  • Home Equity, Non-Agency (Non-QM), Self-Employed

Can Self-Employed Homeowners Use Home Equity to Pay Off...

Self-employed and carrying high-interest debt? If you've built equity in your home, you may have options. Learn how a Cash-Out Refinance, Home Equity Loan (HELOAN), HELOC, and certain alternative-documentation programs may help qualified homeowners access their equity.
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  • Home Purchase, Non-Agency (Non-QM), Self-Employed

Can You Get a Mortgage With Only One Year...

For entrepreneurs, freelancers, independent contractors, and business owners, becoming self-employed can create new opportunities — but it can also make qualifying for a traditional mortgage more complicated. One common concern is employment history. Many self-employed borrowers assume
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  • Non-Agency (Non-QM), Self-Employed

Self-Employed? You May Not Need Tax Returns to Qualify...

Owning your own business, working as an independent contractor, or earning income through freelance or gig work can offer flexibility and opportunity. However, when it comes to qualifying for a mortgage, many self-employed borrowers believe they face more obstacles than traditional W-2 employees.
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  • Investment, Non-Agency (Non-QM)

DSCR Loans Explained: How Real Estate Investors May Qualify...

For real estate investors, qualifying for a traditional mortgage can sometimes be challenging. You may own multiple properties, take advantage of legitimate tax deductions, or have income that doesn’t fit neatly into traditional lending guidelines.......
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