REFINANCE 8 HOME EQUITY

Make More of the Home You Already Own.

Lower your monthly payment. reduce your interest rate. or access your homes equity for the things that matter most—home improvements. debt consolidation, education. or life’s next chapter

By submitting this form, you authorize Prime Choice Funding to contact you by phone call, email, and SMS/text message, including through automated technology, AI-generated or prerecorded voice or text messages, regarding mortgage products and services. Consent is not required as a condition to obtain a loan or services. Message and data rates may apply. You may opt out at any time. Questions? Contact us at info@primechoicefunding.com.

Lower Monthly Payment

Reduce your monthly mortgage costs with refinancing options tailored to your financial goals.

Access Your Home Equity

Turn your home's equity into funds for renovations, education, debt consolidation, or other major expenses.

Flexible Loan Solutions

Explore refinance and home equity options designed around your unique financial needs.

Your Goal

What would you like to achieve?

Well help you find the oght soluton based on your goals.

Lower My Payment

Refinance to a lower rate and reduce your monthly mortgage payment.

Access Home Equity

Tap into your home’s equity for home improvements, debt consolidation, and more.

Consolidate Debt

Use your home equity to pay off high-interest debt and simplify your finances.

Change My Loan Terms

Shorten your loan term, remove PMI, or switch from ARM to fixed.

Refinance Solutions

Refinance Your Mortgage

Replace your current mortgage with a new loan that may offer better terms, lower rates, or access to cash.

Rate & Term Refinance

Lower your interest rate or change your loan term to reduce payments or pay off your home faster.

Cash-Out Refinance

Access a portion of your home's equity while refinancing your mortgage with a new loan.

FHA / VA Refinance Options

Special refinance programs for eligible homeowners with flexible requirements.

Compare Refinance Options →

Home Equity Solutions

Three Ways to Put Your Equity to Work

Choose the borrowing solution that fits your needs and lifestyle.

Home Equity Line of Credit (HELOC)

A revolving line of credit that lets you borrow as needed during the draw period and pay interest only on what you use.

Flexible access to funds
Great for ongoing or future expenses
Interest may be tax-deductible*

Home Equity Loan

Borrow a lump sum using your home’s equity and repay it over a fixed term with predictable monthly payments.

✓ Receive funds in one lump sum
✓ Fixed rate and predictable monthly payments
✓ Ideal for large, one-time expenses

Cash-Out Refinance

Replace your current mortgage with a new, larger loan and receive the difference in cash to use toward your financial goals.

✓ Access a portion of your home’s equity
✓ Use funds for renovations, debt consolidation, or other expenses
✓ One mortgage with one monthly payment

Compare Refinance Options →

Compare Your Home Equity Options

Feature HELOC Home Equity Loan Cash-Out Refinance
Access to FundsAs neededLump sumLump sum
Existing MortgageKeepKeepReplace
Rate TypeUsually VariableUsually FixedFixed or Adjustable
RepaymentInterest only during draw, then principal + interestFixed monthly paymentsNew loan term with monthly payments
Best ForFlexible spending needsPlanned, one-time expensesLarge expenses & maximum equity access

HELOC

Access to FundsAs needed
Existing MortgageKeep
Rate TypeUsually Variable
RepaymentInterest only during draw, then principal + interest
Best ForFlexible spending needs

Home Equity Loan

Access to FundsLump sum
Existing MortgageKeep
Rate TypeUsually Fixed
RepaymentFixed monthly payments
Best ForPlanned, one-time expenses

Cash-Out Refinance

Access to FundsLump sum
Existing MortgageReplace
Rate TypeFixed or Adjustable
RepaymentNew loan term with monthly payments
Best ForLarge expenses & maximum equity access

How It Works

A Simple Process. Real Results.

Tell Us Your Goal

Share a few details about your current mortgage and what you want to achieve.

Review Your Options

We’ll analyze your situation and identify the best refinance or equity solutions.

Compare & Decide

Review rates, terms, and costs so you can make an informed decision.

Close & Move Forward

We handle the details so you can focus on what’s next.

WHY CHOOSE PRIME CHOICE FUNDING?

Experience. Access. Dedication.

Since 2007

Nearly two decades of experience helping homeowners achieve their financial goals.

Nearly $10 Billion

In mortgages funded for thousands of families nationwide.

Access to More

A wide range of loan programs from top lenders across the country.

See your next step

Start short. Get specific when it matters.

Tell us your primary goal first. A detailed application can come later, after you understand the direction and have the context you need.

  • No obligation to explore your options
  • No hard credit pull to start
  • Your information is used to understand your request

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