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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.
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.
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.
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.
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.
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.
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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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