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Over $15 billion in funded loans for homeowners.
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$15+ Billion Funded

Loan Volume

21 Years

in Business

48 States

and Territories

Why you should choose Network Capital?

We care deeply about figuring out how to make our client's dreams into a reality. We're about transforming the equity in your home into capital to pay for college tuitions, dream vacations, or weddings, without adding extra costs or burdens. Our knowledgeable mortgage experts offer straightforward home loan options that are often quicker and cost less than the traditional process. Whether it's through lowering an interest rate and payment, pulling our cash needed to finance life milestones, or buy your dream home, Network Capital has the solution you're looking for.

lender fee

$0 Lender Fees

No application, origination, rate lock, processing or underwriting fees to borrowers who qualify.

competitive rates

Competitive Rates

We offer the most competitively low rates that are available to you.

simple process

Simple Process

Our process as streamlined as possible. We can even help gather documents for

Our Process

our process conversation


our process documents


our process approval


our process finalization


our process closing


Refinance Loan Options

Conventional: To qualify for a conventional home loan, usually a score of 620 will suffice. Those with credit scores of 740 and above can make lower down payments and typically get the most attractive conventional loan rates. Lenders usually require a debt-to-income (DTI) ratio of 36% or below. However, in some cases a lender may work with a higher DTI. *Ask us about RefiNow to learn more about special refinance program. Homeowners can have a loan-to-value ratio up to 97%, a debt-to-income ratio of 65% or less.

FHA: FHA loans are available for people with credit scores of 580 or higher, and down payments as low as 3.5%. FHA loans are one of the most accessible types mortgages. Best for:

  • People looking for low down payments
  • Credit that's a little less than perfect
  • First time home buyer
  • Wanting out of a rising adjustable rate
  • Want into a low fixed rate mortgage payment
  • Financed with FHA home loans previously

VA: VA Loans were created for qualified veterans, service members and their spouses to obtain a home with no down payment. What You'll Need To Qualify for a VA Loan.

  • A Certificate of Eligibility.
  • A minimum credit score of the low to mid 600s
  • A debt-to-income ratio (DTI) of no higher than 60%. Estimate your DTI by adding your monthly debt payments (such as credit card and car payments) and dividing the total by your monthly income before taxes.
  • Money to cover the funding fee charged by the VA. This can be added into your loan if you choose. You may not have to pay this fee if one of these criteria applies to you
  • You have a service-connected disability.
  • You receive VA disability or have in the past.
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Trust, transparency, and quality service. Our licensed Home Loan Experts will explain all your options in detail and help you choose the best program for your needs. We even provide you with a no-cost, no-commitment quote so you can see it all in black-and-white.

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Network Capital Funding Corporation NMLS #11712. Go here for the NMLS consumer access page.

equal housing lender


We are pledged to the letter and spirit of the United States policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, disability, familial status, or nation origin.