Loan Programs
Mortgage Options for Different Goals and Situations
Whether you’re buying a home, refinancing, accessing home equity, self-employed, investing in real estate, or looking for a specialty mortgage solution, Prime Choice Funding offers a wide range of loan programs to help you explore your options.
Choose a category below to learn more.
Home Equity
TAP INTO YOUR HOME’S EQUITY
HELOC, Home Equity Loan / HELOAN, and cash-out refinance options.
Refinance
OPTIONS FOR YOUR CURRENT MORTGAGE
Explore rate-and-term, cash-out, FHA, and VA refinance options.
Purchase
FINANCING FOR YOUR NEXT HOME
Conventional, FHA, VA, USDA, Jumbo, Non-QM & down payment assistance options.
Specialty Loans
ALTERNATIVE & NON-QM MORTGAGE OPTIONS
Flexible mortgage solutions for self-employed borrowers, alternative income, investors, and unique financial situations.
Purchase Loans
Whether you’re buying your first home or your next one, explore purchase programs designed for different homebuyer needs.
FHA Loans
Lower down payment options and flexible qualifying guidelines may be available for eligible borrowers.
Conventional Loans
Flexible mortgage options for qualified homebuyers, with a variety of down payment and term choices.
VA Loans
Eligible Veterans and service members may qualify for benefits including zero down payment and no monthly private mortgage insurance.
Jumbo & Down Payment Assistance
Explore higher-loan-amount financing and certain down payment assistance programs for eligible homebuyers.
Home Equity
Your home equity may provide access to funds for home improvements, debt consolidation, major expenses, investments, or other financial goals.
HELOC
A revolving home equity line of credit that allows you to borrow as needed, subject to program terms.
Home Equity Loan / HELOAN
Receive funds in a lump sum with a fixed-payment structure while keeping your existing first mortgage in place.
Cash-Out Refinance
Replace your current mortgage with a new, larger loan and receive eligible equity proceeds in cash.
Explore Home Equity Options
Different equity solutions serve different goals. Our team can help you review available options.
Refinance Loans
Your mortgage needs can change over time. Refinancing may help you adjust your loan structure, access equity, or explore other financing goals.
Rate-and-Term Refinance
Change the rate, term, or structure of your existing mortgage.
VA Refinance / IRRRL
Eligible Veterans may have access to VA refinance options, including the VA Interest Rate Reduction Refinance Loan.
Self-Employed & Alternative Income Loans
Traditional W-2 income and tax returns do not always reflect the full financial picture of a business owner, independent contractor, or self-employed borrower. Explore alternative-documentation mortgage options designed for different income situations.
Bank Statement Loans
Use eligible personal or business bank deposits to help determine qualifying income.
Profit & Loss (P&L) Loans
Qualifying income may be evaluated using an eligible business Profit & Loss statement.
Asset Utilization Loans
Certain eligible financial assets may be used to help determine qualifying income.
Non-QM Jumbo Loans
Alternative-documentation options may be available for higher loan amounts.
No-Tax-Return Options
Certain programs may allow eligible borrowers to qualify without using traditional personal tax returns for income documentation.
No Income Home Loans — Primary Residence
Your Income Doesn’t Have to Tell the Whole Story
No Income Home Loan programs offer qualified borrowers an alternative way to purchase or refinance a primary residence without traditional income or employment verification. Certain options may also be available for second homes.
Instead of traditional income qualification, eligibility may be based on factors such as credit, assets, reserves, equity, property, occupancy, and the overall loan scenario.
No income verification does not mean no qualification. Credit, asset, reserve, property, loan-to-value, and other underwriting requirements may still apply.
Real Estate Investor Loans
Real estate investors may have access to mortgage programs that focus more heavily on the property and investment strategy rather than traditional personal-income documentation.
DSCR Loans
Qualify primarily using the rental income of an eligible investment property.
Short-Term Rental Loans
Certain programs may finance eligible Airbnb, VRBO, vacation, and short-term rental properties.
LLC DSCR Loans
Eligible DSCR programs may permit ownership through an LLC or other approved business entity.
Low-DSCR & No-Ratio Programs
Alternative investor options may be available when a property does not meet traditional DSCR thresholds.
Interest-Only DSCR
Certain programs may offer an eligible interest-only payment structure.
Multifamily Options
Financing may be available for 2–4 units and certain larger multifamily properties.
Investor Financing Options
Different properties and strategies may fit different programs. Tell us about your scenario.
VA Home Loans
Eligible Veterans, active-duty service members, and certain surviving spouses may have access to VA purchase and refinance benefits.
Reverse Mortgage
For eligible older homeowners, a reverse mortgage may provide access to home equity while allowing the borrower to remain in the home, subject to program requirements.
ITIN Loans
Mortgage options may be available for eligible borrowers using an Individual Taxpayer Identification Number rather than a Social Security number.
Foreign National Loans
Certain programs may help eligible non-U.S. citizens purchase or finance U.S. real estate using alternative documentation.
Find the Mortgage Option That Fits Your Goals
No two borrowers have exactly the same needs. Prime Choice Funding offers a wide range of mortgage programs for homebuyers, homeowners, self-employed borrowers, Veterans, real estate investors, and borrowers with alternative income or documentation needs.
Tell us what you’re looking to accomplish, and our team can help you explore available options.
Prefer to talk with us? Call (877) 787-7463
Prime Choice Funding, Inc. | NMLS #117375
Loan programs, documentation requirements, credit requirements, rates, terms, LTV limits, property eligibility, and availability vary by lender and borrower qualifications. Not all programs are available in all states or for all property types. This information is for general informational purposes only and is not a commitment to lend.