Mortgage & Home Equity Programs

We offer loan options for almost every situation—let’s find yours.

Loan Program	Program Description	Perfect For / Homeowner Type
Conventional PurchaseRefi See My Options Call	Competitive rates & flexible terms; as little as 3–5% down for eligible buyers.	Well-qualified buyers, repeat buyers, rate/term refinances.
FHA PurchaseRefi See My Options Call	Lower down payment and more flexible credit guidelines; up-front & monthly MI applies.	First-time buyers, moderate credit, limited down payment.
VA PurchaseRefi Check Eligibility Call	$0 down on many purchases, no PMI; funding fee may apply; eligibility required.	Eligible Veterans, Service Members, and surviving spouses.
HELOC Equity See My Options Call	Revolving line of credit; interest-only draw options; keep your 1st mortgage intact.	Projects over time, cash-flow flexibility, emergency reserves.
HELOAN (Closed-End 2nd) Equity See My Options Call	Lump-sum 2nd with fixed rate & payment for predictable payoff.	Debt consolidation, one-time large expenses, keeping a low 1st rate.
Cash-Out Refinance Refi Check My Eligibility Call	Replace the 1st mortgage and access equity in cash; compare total cost vs. adding a 2nd.	Consolidating debt, major upgrades, large expenses.
No Income Loan (Primary Residence) PurchaseRefi Check Eligibility Call	Primary residence only. Qualify on LTV, FICO, and reserves—no income docs. 660+ FICO, 20% down on purchase; cash-out to 70% LTV where eligible.	Self-employed, small-business owners, gig/seasonal earners, cash-based/online businesses, creators/influencers, asset-rich with limited documentable income.
Jumbo PurchaseRefi See My Options Call	High-balance financing above conforming limits with expanded options.	High-price areas, strong credit/income/reserves.
First-Time Homebuyer & DPA Purchase Check DPA Eligibility Call	Programs paired with FHA/Conventional that may assist with down payment/closing costs.	Eligible first-time buyers meeting income/area/credit limits.
Renovation (203k / HomeStyle) PurchaseRefi Finance My Remodel Call	Finance purchase/refi + repairs in one loan.	Fixer-upper buyers, planned remodels.
Reverse Mortgage Equity See Reverse Options Call	Tap home equity with no monthly mortgage payment (you must continue to pay taxes, insurance, and upkeep).	Typically 62+; some programs 55+ where offered.
ITIN / Foreign National PurchaseRefiInvest Check ITIN Options Call	Options for non-U.S. citizens or ITIN holders; alt-docs accepted; terms vary by program.	Foreign nationals, non-permanent residents, ITIN borrowers.
USDA (where offered) Purchase Check USDA Eligibility Call	Zero-down financing in eligible rural/suburban areas with income limits.	Qualified buyers in USDA-eligible locations.
Bank Statement Loans PurchaseRefi Check Bank-Statement Options Call	Qualify for a mortgage using your bank statements as proof of income.	Business owners, gig workers, freelancers.
Asset Utilization Loans PurchaseRefi Use My Assets to Qualify Call	Turn liquid assets into qualifying income (per program rules).	High-asset borrowers, self-employed professionals.
DSCR Loans Invest See DSCR Options Call	Qualify using rental cash flow, not personal income.	Real estate investors, rentals/STRs (non-owner-occupied).
P&L Loans PurchaseRefi Use My P&L to Qualify Call	Qualify with CPA-prepared profit & loss statements.	Business owners, serial investors.
1099 Program PurchaseRefi Use My 1099s Call	Qualify using 1099 income documentation.	Contractors, commission-based earners, freelancers.
Alt-Doc / No-Ratio PurchaseRefi Explore Alt-Doc Options Call	Alternative documentation vs. traditional W-2s/tax returns.	Asset-rich borrowers, complex income scenarios.

Purchase Refi Equity Invest

See My Options Call 866-860-1000

Disclosures: Programs subject to borrower eligibility, underwriting, and lender guidelines. Availability and LTV/credit requirements vary by state/program. Rates/terms may change without notice. Reverse Mortgage borrowers typically must be 62+; some programs 55+ (where offered). Non-QM/Alt-Doc options have specific documentation requirements. This is not a commitment to lend. Prime Choice Funding, Inc. NMLS #117375 • Equal Housing Opportunity.

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Since 2007, we’ve helped homeowners purchase, refinance, tap equity, and plan for what’s next—with clear options and honest guidance.