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Your Home's Equity Belongs To You.

Why Not Use It?

Whether you’re purchasing, refinancing, or tapping into your home’s equity, our expert team will guide you to the smartest options that save you money and build your future.

Home Equity

Tap into your home’s value

Refinance

Lower costs, better terms

Buy A Home

Find your perfect property

Discover loans tailored to your needs

About Us

Prime Choice Funding Inc., based in California, has been a trusted provider of home loan services since 2007. With a proven track record, we serve homeowners nationwide, offering a wide variety of mortgage solutions tailored to individual needs. Our team of experienced Loan Officers and Operations professionals is committed to helping homeowners find the right loan options to achieve their homeownership goals. 

2007

In Business Since

A+

Accredited BBB

$10B+

Loans Funded

4.7

stars Rating

For some people, taking out a home loan isn’t always about buying a house. Here are some common objectives that can be achieved with a loan from Mission Loans:

Take cash out on your existing equity

Taking cash out of your home equity allows you to transform your home's value into tangible opportunities. Whether it's renovating your space, investing in education, or seizing new financial prospects, harness the power of your home equity for a brighter future.

Refinance a previous home loan for better terms

You may qualify for better rates than you did when you last got a mortgage. You could also shorten your term and pay off your house faster.

Make home improvements without depleting savings

Whether you’re trying to add value to your property before selling or making upgrade, Mission Loans can help you accomplish your goal without breaking the bank with a cash out refinance.

6 Powerful Ways to Use Your Home Equity

Whether you’re purchasing, refinancing, or tapping into your home’s equity, our expert team will guide you to the smartest options that save you money and build your future.

Combine Your Debts

Simplify your financial life

Leverage your equity to pay off high-interest debts and gain better financial stability.

Improve Your Living Space

Enhance comfort and value

Use your equity to invest in renovations that improve your home’s function, appearance, and worth.

Cover Big Expenses

Make important purchases possible

Access funds for major life expenses — from buying a car to planning a dream wedding or vacation.

Invest in Education

Invest in Education

Fund tuition or academic-related costs with lower-interest borrowing backed by your home’s value.

Use It Freely

Your money, your goals

Whether it’s for travel, hobbies, or personal ambitions, your equity gives you the freedom to choose.

Launch or Grow a Business

Turn your vision into reality

Use your home equity to fuel your business plans — whether starting fresh or expanding what you’ve built.

compare with other lenders

See how our rates, terms, and benefits stack up against other lenders. Compare our loan options with other lenders to see the difference in interest rates, repayment terms, fees, and overall value

Capabilities Big Banks Online-Only Lenders
Rate shopping across multiple wholesale lenders
Conventional, FHA, VA
Jumbo loan options
Home Equity Line of Credit (HELOC)
Second mortgage (HELOAN, closed-end 2nd)
Non-QM options (Bank-Statement, DSCR, Asset Utilization, P&L Only, more)
Lower-FICO flexibility
Self-employed solutions
Investor programs (DSCR, short-term rental)
No-income home loan (primary residence)
Transparent lender & fee comparisons
Dedicated processor + proactive updates
Reverse mortgages
PCF $1,000 Loan Offer Guarantee (terms apply)

Legend: = Often/Available   = Varies/Limited   = Generally not

Why borrowers choose Prime Choice Funding

  • Nationwide network & competitive terms—shop across multiple wholesale lenders.
  • Advanced technology surfaces personalized options for your scenario.
  • In-house processing with proactive updates from application to closing.
  • No charge to apply; soft credit checks available where offered.
  • No-cost savings analysis to compare payment, costs, and breakeven.
  • Flexible loan options for self-employed and non-traditional borrowers.
  • Credit solutions for a range of credit profiles.
  • Solar energy savings—no-money-down options available.

General Disclosures: Subject to borrower eligibility and credit approval. Availability may vary by state and by program/guidelines. Rates and terms are subject to change without notice. Non-QM and “no-income” loan programs have specific documentation and qualification requirements. PCF $1,000 Loan Offer Guarantee: terms & eligibility apply; details available upon request. Prime Choice Funding, Inc. NMLS #117375 • Equal Housing Opportunity.

what our clients say about us

We are humbled by the kind words of our clients. And we are happy that we were the ones to help turn their mortgage goals into reality.

✓ Verified
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.
✓ Verified
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!
✓ Verified
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.
✓ Verified
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.
✓ Verified
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.
✓ Verified
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.
✓ Verified
I want to thank David Arnold and Robert Foster so much for all of their help and making the process of refinancing our home a breeze! They were available to answer all of our questions quickly and throughly, and explained every step of the process in a way that was easy to understand. We are saving money every month and got a better interest rate, which we will forever be grateful for! I wish I could rate higher than 5 stars because we had an excellent experience and would recommend Prime Choice to anyone in the market. Thank you so much again Dave and Robert!
✓ Verified
Dave and Sam are great group to work with. They guided me through every step and answered all questions I ask. I would definitely recommend Prime Choice Funding Inc. to anyone. Thank your for the awesome work you do!
✓ Verified
Believe me when I say Prime Choice Funding has your best interest at heart! All the representatives (Andrew Carillo, Dave Arnold) were timely, professional & extremely knowledgeable in refinancing my home. They kept me up to date on the status & answered all the questions from the first contact to even after closing! Where others have failed…Give Prime Choice Funding a try today!!
✓ Verified
Working with professional and friendly team, key to success, we can't say enough positive things about the team that worked with us to do our refi. we are very happy with the results and looking forward to the follow up in March. Thank you so much Brighton and Chrystal you guys rock...:)
✓ Verified
Great company, excellent professionalism and committed to helping you find the best rates! What I found exceptional was the way each of them had my family’s best interest in mind. Thanks again!
✓ Verified
Prime Choice is an excellent company to work with. I have done my original home loan, a refi, and a home equity loan through them. Their expertise and professionalism is above and beyond. They made everything easy. I highly recommend them.
✓ Verified
My experience with Prime Choice Funding was exemplary due to Michael Bruner and Vu Hoang! It was a blessing to work with both of them. Michael and Vu were very attentive and responsive throughout the entire process, which created a decisive, smooth, efficient, and trustworthy experience from start to finish. Thank you, Michael and Vu!
✓ Verified
Great treatment from the staff we dealt with, it was a pleasure working with them through the ups and downs of buying a home.
✓ Verified
It's been an honor to have deal with duo Jennifer and Chrystal they're such a professional in their field I gave them the maximum 5 five a well deserve for their job well done.. Thanks so much.
✓ Verified
My wife and I just refinanced through Prime Choice. We'd been previously stuck with a higher rate with another lender. Working with David Arnold and his team, they were able to lower our rate by a full percentage point, and will stay in contact with us when the rates come down again.
✓ Verified
Zack and Chrystal were awesome!!! Chrystal was more than kind, understanding, thoughtful, patient and went the extra mile with very difficult circumstances!! Chrystal was always professional as Zack was. Chrystal ALWAYS was beyond incredible, she truly deserves 1 million stars!! See them in 6 months for another re-fi!! Our go to mortgage company. Amazing job!!

Your Mortgage EXPERTS

Since 2007, we have been helping homeowners use their home’s equity to change their lives for the better.

Speak with a Senior Loan Officer right now