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Hear from Our Happy Clients

“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 passed 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.”

— Douglas H.

“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.”

— Travis C.

“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 thoroughly, 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!”

— Kaitlyn C.

“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!”

— Brianna C.

“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 are above and beyond. They made everything easy. I highly recommend them.”

— Melissa G.

“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!”

— Steven R.

“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.”

— William L.

“Believe me when I say Prime Choice Funding has your best interest at heart! All the representatives (Andrew Carrillo, Dave Arnold) were timely, professional, and extremely knowledgeable in refinancing my home. They kept me up to date on the status and answered all the questions from the first contact to even after closing!
Where others have failed… Give Prime Choice Funding a try today!!”

— Cynthia R.

“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.”

— Matthew H.

“It was a pleasure to work with Zack Seither with Prime Choice. We worked together as a team and he was great to work with. He assisted my wife and me with our many questions and concerns. He made himself available at any time to make sure we met certain time requirements during the process.”

— Miguel G.

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Your Path to a Hassle-Free Home Loan Experience

Navigating the world of home loans can be daunting, but with Prime Choice Funding, Inc., it becomes a journey of simplicity and clarity. Think of us as your steadfast partners, ever-present to guide you every step of the way.

Whether you’re a first-time homebuyer, self-employed, or a seasoned investor, we guarantee access to the best programs tailored for your needs in today’s competitive market.

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Financing Dreams with a Personal Touch

We don’t just offer loans; we help turn houses into homes where dreams flourish. Our family-owned ethos ensures that while we have the tools of a large corporation, we maintain the personal touch, care, and flexibility that only an independent business can offer.

Choose Prime Choice Funding, Inc., where your aspirations lead our mission and your future is our commitment.

Featured Loan Program

No W-2? No Problem!

Self-Employed Home Loan Solutions (Including Bank Statement Loans)

Self-employed borrowers often get unfairly boxed out of traditional mortgages—especially when tax returns don’t show the full story due to deductions and write-offs. At Prime Choice Funding Inc., we offer flexible home loan options designed for business owners, 1099 earners, freelancers, and gig workers who don’t fit the standard W-2 model.

What Is A Bank Statement Home Loan?
A Bank Statement Home Loan is a flexible mortgage option that may allow you to qualify using bank statements instead of relying only on W-2s and tax returns. This approach can better reflect your actual income and cash flow—especially if your taxable income appears lower on paper.

This option is often a great fit for:

Business owners and entrepreneurs
1099 earners and independent contractors
Freelancers, consultants, and self-employed professionals
Commission-based borrowers (including real estate agents)
Gig workers and seasonal earners

Other Self-Employed Loan Options
Not every self-employed borrower fits into one box—and that’s okay. Depending on your scenario, you may also have options such as:

Profit & Loss (P&L) Loans
Asset-Based / Asset Depletion Loans
DSCR Loans (for investment properties)
1099-Only Programs (when available)
Non-QM options designed for self-employed income

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.

Check My Options