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If eligible, you can lower your interest rate. This could lead to lower payments and less money paid towards interest.
Why should I lower my rate?
Shorten your loan term when refinancing from a 30-year term to a 15-year term. You may also lower your rate.
Why should I shorten my term?
Take cash out of your home to apply to improvements, renovations, or other necessary expenses.
Why should I cash out?
Since 2007, we’ve helped homeowners purchase, refinance, tap equity, and plan for what’s next—with clear options and honest guidance.
Prime Choice Funding, Inc. (NMLS #117375) is a licensed mortgage lender and broker. We are not affiliated with, endorsed by, or acting on behalf of any government agency. This is not a commitment to lend. All loan approvals are subject to borrower creditworthiness, underwriting guidelines, satisfactory title, and appraisal. Final loan terms are subject to lender approval and may require additional documentation during underwriting. Not all applicants will qualify.
Equal Housing Lender.
For licensing information, visit www.nmlsconsumeraccess.org.
State Licensing Information:
AL Lic#22408 | AZ Lic#0940991 | AR Lic#117267 | CA DFPI Lic#603F471 | CA DRE Lic#01806911 | CO Lic#117375 (NMLS #117375) | DC Lic#MLB117375 | DE Lic#025874 | FL Lic#MLD1505 | GA Lic#48008 | ID Lic#MBL-9234 | IN Lic#38334 | KY Lic#MC410331 | LA Lic#117375 (NMLS #117375) | MA Lic#MC117375 | MD Lic#21456 | MI Lic#FL0020964 | NC Lic#B-230942 | NH Lic#21548-MB | NJ Lic#NJ-C-01020 | NM Lic#117375 (NMLS #117375) | NV Lic#5024 | OH Lic#RM.804338.000 | OR Lic#ML-4926 | PA Lic#105337 | SC Lic#DCA-117375 | TN Lic#135287 | TX SML NMLS#117375 | VA Lic#MC-5862.
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Rate & APR Disclosure (as of 12/19/2025)
The advertised 4.75% interest rate with an estimated APR of approximately 4.94% is available on a Conventional 15-Year Fixed-Rate, Rate-and-Term Refinance for owner-occupied, single-family primary residences only. This example assumes a minimum credit score of 740, standard underwriting guidelines, and zero discount points. Closing costs, prepaid items, and third-party fees may apply and are not included in the interest rate. This offer does not apply to second homes or investment properties.
Rates, APR, programs, and terms are subject to change without notice and may vary based on credit profile, loan-to-value, debt-to-income ratio, property type, occupancy, and investor guidelines. Interest rates are not guaranteed until a rate lock is secured in writing. This advertisement is not a commitment to lend. All loans are subject to underwriting approval, appraisal, title review, and lender conditions. Not all applicants will qualify.
Prime Choice Funding, Inc. (NMLS #117375). Equal Housing Lender.
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Privacy & Communication Consent
By submitting your information, you authorize Prime Choice Funding, Inc. to contact you by phone call, text message, email, and/or automated systems, including artificial or prerecorded voice, regarding your inquiry. Consent is not required to apply for or obtain credit. Message and data rates may apply.
Questions? Contact us at info@primechoicefunding.com.
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Texas Residents – Important Notice
If the new loan is subject to Texas Constitution Article XVI, Section 50(a)(6) and the loan-to-value exceeds 80%, the borrower will not be eligible for this refinance. Additional restrictions may apply.
Consumer Complaint Notice (7 TAC §80.200(b))
Consumers wishing to file a complaint against a company or residential mortgage loan originator should complete and submit a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705.
Complaint forms and instructions are available at www.sml.texas.gov.
Toll-Free Consumer Hotline: 1-877-276-5550.
The Department maintains a Recovery Fund to reimburse certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement must be filed with and investigated by the Department prior to payment of a claim.
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Arizona Residents – Consumer Notice
Prime Choice Funding, Inc. is licensed in Arizona as a mortgage banker and mortgage broker (AZ Lic#0940991; NMLS #117375).
Consumers wishing to file a complaint against a mortgage banker, mortgage broker, or mortgage loan originator should contact the Arizona Department of Insurance and Financial Institutions (DIFI):
Arizona Department of Insurance and Financial Institutions
Mortgage Licensing Section
100 N. 15th Avenue, Suite 261
Phoenix, AZ 85007
Phone: (602) 364-8072
Website: https://difi.az.gov
This website provides information only and does not guarantee credit or loan approval. Dates and information are subject to change without notice. All loan products are subject to credit approval.
Prime Choice Funding, Inc. is not affiliated with or acting on behalf of or at the direction of FHA, VA or the Federal Government.
By submitting the form on this website or contacting us by phone, text, or email, you consent to be contacted by Prime Choice Funding, Inc. via phone, email, and text, including via automated technology where permitted. Message and data rates may apply. Consent is not required to obtain credit or services. Reply STOP to opt out; HELP for help. If you have questions, call 877-787-7463 or email info@primechoicefunding.com. Calls may be monitored or recorded for quality and training.
Prime Choice Funding, Inc. • 1 Corporate Park, Suite 200 Irvine, CA 92606 • NMLS ID 117375 • NMLS Consumer Access • Equal Housing Opportunity
This is not a commitment to make a loan. All approvals are subject to creditworthiness, underwriting guidelines, satisfactory title, and appraisal. Minimum/maximum loan amounts apply; not all applicants will qualify. Final decisions are subject to lender approval and may require additional documentation. Prime Choice Funding, Inc. is not affiliated with or acting on behalf of or at the direction of FHA, VA, or the Federal Government. See our Privacy Policy, Terms of Use, SMS Terms, and Licensing.
– All Rights Reserved – Prime Choice Funding, Inc. NMLS # 117375
