REFINANCE 8 HOME EQUITY
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
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Reduce your monthly mortgage costs with refinancing options tailored to your financial goals.
Turn your home's equity into funds for renovations, education, debt consolidation, or other major expenses.
Explore refinance and home equity options designed around your unique financial needs.
Your Goal
Well help you find the oght soluton based on your goals.
Refinance to a lower rate and reduce your monthly mortgage payment.
Tap into your home’s equity for home improvements, debt consolidation, and more.
Use your home equity to pay off high-interest debt and simplify your finances.
Shorten your loan term, remove PMI, or switch from ARM to fixed.
Refinance Solutions
Replace your current mortgage with a new loan that may offer better terms, lower rates, or access to cash.
Lower your interest rate or change your loan term to reduce payments or pay off your home faster.
Access a portion of your home's equity while refinancing your mortgage with a new loan.
Special refinance programs for eligible homeowners with flexible requirements.
Home Equity Solutions
Choose the borrowing solution that fits your needs and lifestyle.
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*
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
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
| Feature | HELOC | Home Equity Loan | Cash-Out Refinance |
|---|---|---|---|
| Access to Funds | As needed | Lump sum | Lump sum |
| Existing Mortgage | Keep | Keep | Replace |
| Rate Type | Usually Variable | Usually Fixed | Fixed or Adjustable |
| Repayment | Interest only during draw, then principal + interest | Fixed monthly payments | New loan term with monthly payments |
| Best For | Flexible spending needs | Planned, one-time expenses | Large expenses & maximum equity access |
How It Works
Share a few details about your current mortgage and what you want to achieve.
We’ll analyze your situation and identify the best refinance or equity solutions.
Review rates, terms, and costs so you can make an informed decision.
We handle the details so you can focus on what’s next.
WHY CHOOSE PRIME CHOICE FUNDING?
Nearly two decades of experience helping homeowners achieve their financial goals.
In mortgages funded for thousands of families nationwide.
A wide range of loan programs from top lenders across the country.
“Todd Nedden and his team at Prime Choice are relentless in satisfying the customer and obtaining the loan with the stipulations they require. Todd and Veronica kept me informed throughout the process and never tired of my constant emails and phone calls. They were a pleasure to work with and finalized the loan I requested.”
“I had a fantastic experience refinancing my home with Prime Choice Funding. Todd and Veronica Hall were absolutely the best—professional, responsive, and always kept me updated throughout the process. They answered all my questions promptly through emails and phone calls, which gave me peace of mind every step of the way. I'm very happy I chose Prime Choice Funding and highly recommend them!”
“It was a pleasure to work with Zack Seither with Prime Choice. We work together as a team and he was great to work with. He assisted my wife and I with our many questions and concerns. He made himself available at anytime to make sure we meet certain time requirements during the process.”
“Prime Choice Funding, what can I say other than Thank you! You made not only the impossible happen, but you were always available to answer my questions and keep my hope alive. We bought our house a year ago, It was a Veteran Home Loan; we came upon difficult times, and one of our family members needed help. We drained our savings and were late on our very high mortgage payment for the following two months. Which would shy away most lenders with a ten foot pole. Andrew Carrillo, of Prime Choice; was still able to get our interest reduced and our mortgage payment reduced by quite a few hundred dollars. I cannot thank him enough for his help and hard work to get our loan pasted through and approved. I am forever grateful to him. If you have the opportunity Veterans, to do an Interest reduction on your loan; take it, try and request Andrew Carrillo, to assist you, and hopefully you get Veronica Hall, to be the loan processor. These two were better than fantastic, they were constantly in communication with us and with each other. Honestly they worked very hard to make this happen for us. I am forever grateful for them, we are looking forward to the future of our home, and the lower monthly payment that we will be paying. Veterans, if you want to save some money and would like to look into lowering your monthly mortgage payment. Give Prime Choice Funding a call and ask for Andrew Carrillo, he will work very hard, to help you out.”
“Prime Choice Funding was the best for getting the funding needed and always very professional at all the time from the start to the closing. I gave a 10 not a 5!!! Also Michael Bruner the loan officer to work, he always keep you motiivate and when you needed he always was "over extreme professional at all the time from begginig until the closing". We are family appreciate everything he did. The Best.”
“Amazing!!! The best mortgage lender professionals. Keith and his team went above and beyond for us. They communicated effectively and provided a very smooth process to refinance my home. I couldn't be happier with Prime Choice Funding. I definitely recommend this company to all who are seeking a mortgage lender.”
See your next step
Tell us your primary goal first. A detailed application can come later, after you understand the direction and have the context you need.
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