Business Details
Your Trusted Mortgage Broker in Plano, TX
Prime Choice Lending is committed to delivering high-quality financial services and competitive mortgage rates tailored to individual client needs. Our team of seasoned mortgage professionals provides personalized guidance through every stage of the loan process, from initial consultation to closing. With decades of combined experience in the industry, we specialize in helping clients purchase homes, refinance existing loans, and consolidate debt while maintaining strict confidentiality and security of client information.Our approach emphasizes building long-term relationships through transparency, expertise, and a dedication to finding the lowest available rates. Unlike larger national firms, we prioritize localized service and direct communication with experienced professionals who understand the unique needs of our community. Our services include conventional loans, FHA/VA/USDA programs, jumbo loans, and specialized refinancing options designed to meet diverse financial situations.
Services
Mortgage Refinancing
Home Purchase Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Conventional Loans
Renovation Mortgages
Foreign National Loans
Fresh Start Programs
Highlights and features
- We offer decades of mortgage lending experience with personalized service
- Our team negotiates with multiple lenders to secure the best rates
- We provide fast turn times for loan processing and approvals
- We maintain strict client information security and privacy standards
- We act as trusted advisors through every step of the mortgage process
What people say
Very helpful
Prompt service
Smooth transaction
Detail oriented
Great communication
Services
Mortgage Refinancing
Our mortgage refinancing service helps homeowners lower monthly payments, fix interest rates, or access home equity. We offer cash-out refinancing for debt consolidation, home improvements, or investment opportunities. Our team works with clients to evaluate their financial goals and secure the most favorable terms through our network of lenders.
Home Purchase Loans
We provide comprehensive home purchase loan solutions including conventional, FHA, VA, and USDA programs. Our advisors help determine affordability, guide clients through pre-approval, and facilitate the entire closing process. We specialize in competitive rate shopping and personalized loan structure recommendations for first-time and experienced homebuyers.
FHA Loans
Our FHA loan program offers low down payment options for qualified borrowers with flexible credit requirements. We assist clients through the application process, help meet debt-to-income ratio guidelines, and provide competitive pricing on both purchase and refinance transactions for primary residences.
VA Loans
We specialize in VA loan programs for eligible veterans and military personnel. Our service includes guidance on entitlement verification, competitive rate negotiation, and streamlined processing for purchases or refinances. We understand the unique benefits available to service members and provide dedicated support throughout the loan lifecycle.
USDA Loans
Our USDA loan program provides low down payment financing for homes in designated rural areas. We help clients determine property eligibility, meet income requirements, and navigate the application process with specialized expertise in USDA-specific underwriting guidelines and closing procedures.
People
Biju Paul
Mortgage Advisor
NMLS licensed mortgage advisor with extensive experience in loan origination and client consultation. Specializes in personalized mortgage solutions and maintaining long-term client relationships through transparent communication and expert guidance.
Questions
What mortgage loan programs do you offer?
We offer conventional, FHA, VA, USDA, jumbo, renovation, and specialized programs for clients with unique credit situations.
How can I get pre-approved for a mortgage?
Contact us to provide income verification, credit history, and asset documentation for a comprehensive pre-approval assessment.
Do you offer refinancing options?
Yes, we provide rate-and-term refinancing, cash-out refinancing, and specialized programs to meet various financial goals.
What areas do you serve?
We operate in Texas, California, Nevada, and offer specialized programs for clients nationwide.
How long does the mortgage process take?
Our average closing time is 30 days, with expedited options available for qualified borrowers.
Can I apply for a mortgage online?
Yes, we provide online application tools and digital document submission for convenient mortgage processing.
