Business Details
19 Years
experience
Your Trusted Mortgage Partner in Tustin, CA
Prime Choice Funding has been a trusted provider of home loan services since 2007, serving homeowners nationwide with tailored mortgage solutions. Our team of experienced Loan Officers and Operations professionals is dedicated to helping clients achieve their homeownership goals through personalized service. With over $10 billion in mortgages funded, we combine advanced technology with a family-owned ethos to deliver competitive terms and exceptional customer support. Our nationwide network of wholesale lenders ensures access to diverse loan programs, including specialized options for self-employed individuals and veterans.We prioritize transparency, offering no-charge applications, soft credit checks, and in-house processing to streamline the journey from application to closing. Our commitment to innovation is reflected in our $1,000 Loan Offer Guarantee, ensuring clients receive unmatched value. With decades of collective experience, we maintain a relentless focus on client satisfaction, evidenced by our 4.9-star Google rating and thousands of positive testimonials. Our mission remains rooted in empowering financial dreams through expert guidance and flexible financing solutions.
Services
Bank Statement Loans
VA Loans
Home Equity Loans
Cash-Out Refinance
FHA Loans
Reverse Mortgages
Investment Property Loans
Down Payment Assistance
No Income Verification Loans
Flexible Choice Programs
Details
- Year established: 2007
Highlights and features
- Nationwide network of wholesale lenders for competitive terms
- Advanced software for personalized loan matching
- $1,000 Loan Offer Guarantee if we can't deliver
- Dedicated in-house processing from application to closing
- Specialized solutions for self-employed and credit-challenged borrowers
What people say
Excellent service
Smooth process
Knowledgeable staff
Quick approvals
Highly recommend
Services
Bank Statement Loans
Bank Statement Loans provide mortgage access for self-employed individuals using bank statements instead of tax returns. Ideal for freelancers, gig workers, and business owners with irregular income, this program bypasses traditional documentation requirements. Our specialists help clients qualify based on actual financial standing, offering flexible terms for purchasing or refinancing primary residences, investment properties, or vacation homes.
VA Loans
VA Loans offer zero-down payment options and competitive rates for eligible military veterans and service members. These government-backed mortgages eliminate private mortgage insurance requirements while providing favorable terms. Our team specializes in streamline refinancing for existing VA loans, helping veterans reduce rates and monthly payments with minimal documentation and expedited processing.
Home Equity Loans
Home Equity Loans allow homeowners to access funds using their property's equity with fixed interest rates and predictable monthly payments. This program suits large expenses like home renovations, debt consolidation, or education costs. We offer competitive loan-to-value ratios up to 90%, with terms ranging from 5 to 30 years to accommodate various financial needs.
Cash-Out Refinance
Cash-Out Refinance replaces your existing mortgage with a larger loan, providing immediate funds while potentially lowering interest rates. This option benefits homeowners seeking to consolidate debt, finance major purchases, or invest in property improvements. Our process simplifies documentation for primary residences, second homes, and investment properties with streamlined approval pathways.
Reverse Mortgages
Reverse Mortgages enable homeowners aged 55+ to convert home equity into tax-free income without monthly mortgage payments. Designed for retirement planning, these loans provide financial flexibility through lump sums, monthly payments, or credit lines. Our counselors guide clients through HUD-approved programs, ensuring compliance with federal regulations while maximizing benefits for medical expenses or lifestyle enhancements.
People
Keith McKay
CEO and Founder
With over 20 years in mortgage banking, Keith founded Prime Choice Funding to combine corporate resources with personalized service. His leadership has driven $10B+ in funded mortgages, focusing on innovative solutions for self-employed borrowers and veterans.
Sam Arnold
Sales Manager
NMLS #1652752, Sam leads our sales team with 15+ years of mortgage expertise, specializing in complex refinancing solutions and client relationship management. His team consistently delivers top-tier customer satisfaction scores across California and beyond.
Zack Seither
Senior Loan Officer
NMLS #32622, Zack has helped 1,000+ clients secure financing since 2005. Recognized for resolving challenging loan scenarios, he specializes in VA loans and bank statement programs, maintaining a 98% client retention rate through proactive communication.
David Arnold
Loan Officer
NMLS #1182015, David brings 12 years of mortgage experience, focusing on first-time homebuyers and FHA loan programs. His attention to detail and rapid response times have earned him multiple 'Top Producer' awards within the company.
Brent Morris-Cain
Senior Loan Officer
NMLS #236653, Brent specializes in investment property financing and cash-out refinancing. With a decade of experience, he's known for guiding clients through complex transactions involving multiple properties and unique income structures.
Questions
What mortgage programs do you offer for self-employed borrowers?
We specialize in Bank Statement Loans requiring no tax returns, using bank statements to verify income for business owners, freelancers, and gig workers.
Can veterans get VA loan refinancing?
Yes, we offer VA streamline refinancing with no appraisal required, helping veterans reduce rates and monthly payments on existing VA loans.
Do you charge application fees?
No, we provide free consultations and loan applications with no upfront costs or hidden fees.
How quickly can you close a refinance?
Our average refinance closing time is 21 days, with expedited options available for urgent needs through our in-house processing team.
What areas do you serve?
We operate nationwide with local expertise in California, Texas, New York, and Florida, offering state-specific loan programs where available.
Do you offer reverse mortgages?
Yes, we provide HUD-approved reverse mortgages for homeowners aged 55+, with options for lump sums, monthly payments, or credit lines.
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Reviews (3)
Jenna Matt
Feb 09, 2021
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Scott Twombley was my loan agent with Prime Choice Funding, and did an excellent job in finding me the lowest rate for my refi. It was even lower than what my current lender could offer me. He was very prompt in returning emails with any questions I had, and was very professional and friendly throughout the whole process.
Melaney Younathan also did a good job as my loan processor and completing the refi process. Thank you!
Melaney Younathan also did a good job as my loan processor and completing the refi process. Thank you!
Betsy Acosta
Dec 19, 2020
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Kristina Bruno got us a great rate and was easy to work with, kind and responsive. Amy Thi in processing was amazing. They both answered all our questions quickly and I think went above and beyond. Underwriting was a bit of a pain regarding their numerous redundant requests. It did take longer than I thought it would but we were told in the beginning about that. I would recommend highly.
Patty Licona
Oct 02, 2020
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Angie Allen is amazing! exceeded our expectations with her excellent customer care. She made by far the refinancing of our home stress free and pleasant. Answered all our questions promptly and knowledgeably making us feel we were in good hands with our home refinance. Thank you Angie for making the process a success with such a great rate! Highly recommend Prime Choice Funding.
