About Pillar Financial
Prime Funding Loans is a direct mortgage lender based in Houston, Texas, dedicated to simplifying the home financing journey for individuals across 15 states. Founded around 2023, the company operates on principles of transparency, integrity, and client satisfaction, leveraging state-of-the-art technology and an experienced team to deliver personalized loan solutions.
The lender distinguishes itself by offering a wide array of residential loan products, including conventional, FHA, VA, USDA, Jumbo, and specialized Non-QM options such as DSCR, Bank Statement, and Asset Depletion loans. This diverse portfolio caters to a broad spectrum of borrowers, from first-time homebuyers to seasoned real estate investors seeking flexible financing for primary residences, second homes, or investment properties.
Prime Funding Loans is committed to providing a seamless and efficient mortgage process, utilizing digital capabilities such as online applications and pre-qualification tools to enhance the borrower experience. Their focus on client-centric service, combined with their ability to navigate various lending scenarios, positions them as a reliable partner for achieving homeownership and investment goals.
The lender distinguishes itself by offering a wide array of residential loan products, including conventional, FHA, VA, USDA, Jumbo, and specialized Non-QM options such as DSCR, Bank Statement, and Asset Depletion loans. This diverse portfolio caters to a broad spectrum of borrowers, from first-time homebuyers to seasoned real estate investors seeking flexible financing for primary residences, second homes, or investment properties.
Prime Funding Loans is committed to providing a seamless and efficient mortgage process, utilizing digital capabilities such as online applications and pre-qualification tools to enhance the borrower experience. Their focus on client-centric service, combined with their ability to navigate various lending scenarios, positions them as a reliable partner for achieving homeownership and investment goals.
Company Information
Founded: 2023
Lender Type: Direct Lender
Headquarters: Houston, TX
Licensed In
TXFLGAMDVACOAZNMUTCALATNNCSCAL
Certifications & Credentials
FHA ApprovedVA ApprovedUSDA Approved
Digital Capabilities
Online Application
Pre-Qualification Tool
Home Loan Products
Conventional Loan Program
Loan Types:
ConventionalRefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 Contractor
Income Verification:
Full Documentation
Available Terms:
10 years15 years20 years25 years30 years
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
3%
Min Down Payment
97%
Max LTV
620
Min Credit Score
FHA Loan Program
Loan Types:
FHA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 Contractor
Income Verification:
Full Documentation
Special Programs:
First-Time Homebuyer
Available Terms:
15 years30 years
Credit Tiers:
Poor (580-619)Fair (620-679)Good (680-739)Excellent (740+)
3.5%
Min Down Payment
96.5%
Max LTV
580
Min Credit Score
VA Loan Program
Loan Types:
VA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetired
Income Verification:
Full Documentation
Special Programs:
Veteran Program
Available Terms:
15 years30 years
Credit Tiers:
Poor (580-619)Fair (620-679)Good (680-739)Excellent (740+)
0
100%
Max LTV
580
Min Credit Score
USDA Loan Program
Loan Types:
USDA
Rate Types:
Fixed Rate
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 Contractor
Income Verification:
Full Documentation
Available Terms:
30 years
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
0
100%
Max LTV
620
Min Credit Score
Jumbo Loan Program
Loan Types:
Jumbo
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorBusiness Owner
Income Verification:
Full Documentation
Available Terms:
15 years30 years
Credit Tiers:
Good (680-739)Excellent (740+)
10%
Min Down Payment
90%
Max LTV
700
Min Credit Score
Non-QM Loan Program
Loan Types:
Non-QMDSCRBank StatementAsset Depletion
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Investment PropertySingle-Family HomeCondoMulti-Family (2-4 units)
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
Self-Employed1099 ContractorBusiness OwnerInvestor
Income Verification:
Bank StatementAsset DepletionNo Income Verification
Special Programs:
Bank Statement ProgramAsset Depletion ProgramSelf-Employed Program
Available Terms:
15 years30 years
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
10%
Min Down Payment
90%
Max LTV
620
Min Credit Score
Construction Loan Program
Loan Types:
Construction
Rate Types:
Adjustable Rate (ARM)
Property Types:
Single-Family Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorBusiness Owner
Income Verification:
Full Documentation
Special Programs:
Renovation Loan
Credit Tiers:
Good (680-739)Excellent (740+)
20%
Min Down Payment
80%
Max LTV
680
Min Credit Score
Home Equity Loan and HELOC Program
Loan Types:
HELOCHome Equity LoanSecond Mortgage
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary ResidenceSecond Home
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetired
Income Verification:
Full Documentation
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
90%
Max LTV
640
Min Credit Score
Contact Information
8320 Florence Ave
Downey, CA 90241
US
Mailing Address:
8101 Southwest Fwy, Suite 1200, Houston, TX 77074
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Business Information
Category: Mortgage Broker
Location: Downey, CA
Status: Standard
Founded: 2023
Type: Direct Lender
Profile Views: 1
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