Self-Employed Home Loan Solutions

When tax returns don’t tell the full story, we have options designed for business owners, 1099 earners, and entrepreneurs.
Buy or refinance with no tax returns required (for qualified borrowers).
Up to 90% LTV for purchases | Up to 85% LTV for cash-out refinance.

Tell us a little about your goals

Our team will reach out with options
★★★★★

4.7 from 1230+ reviews

Serving Homeowners Since 2007.

★★★★★

A+

Speak to a loan officer today

Self-Employed Mortgages

Self-employed borrowers often face unique challenges when it comes to getting a mortgage—especially when deductions and write-offs reduce taxable income on paper. Even if a conventional loan isn’t the best fit, there are still mortgage options available that can use alternative ways to document income and cash flow.

Key Takeaways

Conventional underwriting can be tougher for self-employed borrowers because tax returns may not reflect true cash flow due to write-offs and deductions.
Depending on your scenario, options like bank statement, asset-based, Profit & Loss (P&L) Loans, 1099-Only Programs, and DSCR loans may provide alternative qualification paths.
Steps like improving credit, reducing debt, and increasing funds for down payment/reserves can help you qualify and strengthen your terms.
Prime Choice Funding offers multiple self-employed qualification options and partners with nationwide lenders to help match you with the right loan program for your goals.

Why Choose Prime Choice Funding Inc.?

We specialize in helping self-employed borrowers qualify with confidence. Whether you’re buying a home, refinancing, or using home equity, we’ll help you explore solutions that align with how you’re actually paid—not just a one-size-fits-all guideline.

Ready To Explore Your Options?

If you’re self-employed and want a mortgage strategy that reflects your true financial picture, we’re here to help.
No obligation — we’ll review your scenario and help you choose the right path.

Contact or Get Started Online

Our team of licensed loan officers is prepared to assist you with any inquiries you may have. Applying over the phone can be completed in as little as 10 minutes.

Secure Your Approval

Once you submit your loan application, our team will thoroughly review it, conduct a property appraisal, and complete the underwriting process to ensure your approval.

Secure Your Funds

Once all requirements have been met and we receive clearance to proceed, we will prepare the necessary loan documents. You will then sign the loan documents, and upon completion, your loan will be funded.

2007

In Business Since

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Accredited BBB

$10B+

Loans Funded

4.7

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See what our clients say about us

✓ 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!!

Let’s get started

Our team of licensed loan officers is here to help guide you through your options based on your unique situation.

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.

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 – All Rights Reserved – Prime Choice Funding, Inc. NMLS # 117375

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