Business Details
19 Years
experience
Your Trusted Mortgage Broker in California
Since 2007, Prime Choice Funding has established itself as a trusted national mortgage broker dedicated to helping homeowners secure financing tailored to their unique needs. Our proven track record of over $10 billion in funded mortgages reflects our commitment to delivering exceptional service and personalized solutions. With a team of experienced Loan Officers and Operations professionals, we leverage a vast nationwide network of wholesale lenders to secure competitive terms for our clients. Our advanced technology platform enables personalized loan matching, while our in-house processing ensures a seamless experience from application to closing. We prioritize transparency and client satisfaction through features like soft credit checks, no-cost savings analyses, and flexible loan options for self-employed borrowers.As an independent, family-owned business, we combine the agility of a boutique firm with the resources of a national institution. Our mission remains focused on empowering homeownership and financial success through innovative mortgage solutions. With bilingual capabilities and a diverse team of experts, we serve clients through multiple communication channels. Our dedication to ethical practices and customer-centric values has earned us recognition as a reliable partner in the mortgage industry. From first-time homebuyers to seasoned investors, we provide tailored guidance to navigate today's complex mortgage landscape.
Services
Home Equity Loans
FHA Loans
Conventional Loans
DSCR Rental Loans
VA Loans
Reverse Mortgages
Bank Statement Loans
Cash-Out Refinance
Down Payment Assistance
Investment Property Loans
Details
- Year established: 2007
Highlights and features
- Nationwide Network, Competitive Terms
- Advanced Technology for Personalized Options
- $1,000 Loan Offer Guarantee
- In-House Processing for Efficiency
- No Charge to Apply
What people say
Competitive rates
Dedicated support
Efficient process
Flexible options
Expert guidance
Services
Home Equity Loans
Access your home's equity through flexible HELOC and HELOAN options. Our solutions provide competitive rates for home improvements, debt consolidation, or major expenses. Expert guidance ensures you understand loan terms and repayment options.
FHA Loans
Low down payment mortgage options for eligible borrowers. We specialize in FHA and VA loan programs with simplified qualification requirements. Our team helps veterans and first-time buyers achieve homeownership goals through government-backed financing.
Conventional Loans
Traditional mortgage solutions for primary residences and investment properties. We offer competitive rates for borrowers with strong credit profiles. Our conventional loan options include fixed-rate and adjustable-rate mortgages with flexible term lengths.
Bank Statement Loans
Alternative financing for self-employed borrowers and gig workers. Qualify using bank statements instead of traditional tax returns. Our specialized programs accommodate non-traditional income documentation while maintaining competitive pricing.
Reverse Mortgages
Financial solutions for homeowners aged 55+ to access home equity. We provide HECM reverse mortgages that allow seniors to supplement retirement income while retaining home ownership. Our counselors explain all program requirements and repayment terms.
People
Keith McKay
CEO and Founder
With over 20 years in mortgage banking, Keith founded Prime Choice Funding to provide personalized loan solutions. His leadership combines industry expertise with a commitment to customer satisfaction.
Sam Arnold
Sales Manager
As NMLS #1652752, Sam leads our sales team with a focus on innovative mortgage products. He specializes in helping first-time homebuyers navigate the loan process.
Zack Seither
Sr. Loan Officer
NMLS #32622 Zack brings extensive experience in purchase loans and refinancing. He helps clients understand mortgage options while maintaining transparent communication throughout the process.
Jennifer Wood
Sr. Loan Officer
NMLS #1561383 Jennifer specializes in mortgage solutions for diverse financial situations. Her approach focuses on educating clients about loan programs that match their specific needs.
Will Roberson
Sr. Loan Officer
NMLS #2091476 Will provides bilingual mortgage services, helping Spanish-speaking clients achieve homeownership. His expertise includes conventional and government-backed loan programs.
Questions
What loan options are available for self-employed borrowers?
We offer bank statement loans and alternative documentation programs that qualify borrowers based on cash flow rather than traditional tax returns.
Do you provide down payment assistance programs?
Yes, we offer down payment assistance options specifically designed for first-time homebuyers through various state and local initiatives.
How does your $1,000 loan guarantee work?
If we can't deliver a competitive loan offer after reviewing your financial situation, we'll pay you $1,000 as a commitment to our service quality.
Can I check rates without affecting my credit score?
Yes, we provide soft credit checks during initial consultations that won't impact your credit rating.
How long does the mortgage process take?
Our in-house processing typically completes loans within 30-45 days, though exact timelines depend on individual circumstances and documentation availability.
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