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Your best life starts here.

Trust Network Capital for savings and service. Live better.

Refinancing Your Home Mortgage With Us

Our Smart Refinance saved clients an Average of up to $762 per month!!***
One simple consultation with our strategic expert bankers will determine the right type of loan that meets your exact needs.


  • Debt Consolidation
  • Home Improvement
  • Cash surplus (Rainy day fund)
  • Buy second/investment property
  • Life Events (Weddings, college, vacation, investment, etc.)

Improve Mortgage Terms

  • Lower interest rate and payment
  • Shorten mortgage term
  • Eliminate Mortgage Insurance(MIP/PMI)
  • Lock-in a low fixed rate for the life of your loan
  • Convert an Adjustable (ARM) to Fixed Rate

Reasons to work with Network Capital

  • Top Nationwide Direct Lender since 2002
  • $0 Lender Fees - No application, organization, rate lock, processing or underwriting fees to borrowers who qualify
  • Competitive Rates - We offer the most competitively low rates that are available.
  • Simple Process - Our process is as streamlined as possible. We can even help gather documents for you!

***Average Monthly Debt Savings - AMDS was calculated using 30-year fixed cash-out refinance from mortgage transactions funded between January 1st and April 20th 2022, on Primary Residences. The consumers had FICO scores 720 or lower, received less than $8,675 cash in hand and had no current impounds. The AMDS during this time period was $847.00 per month, and with a 95% confidence factor minus 5%, it was $762. This illustration of savings was typical and is not guaranteed, as each consumers' situation is different.

refinance conventional


With a score of 620, you qualify for a conventional home loan. But if your credit score is 740 and above, you make a lower down payment and typically get very 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 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
refinance fha
refinance 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.

Not sure which loan is right for you?
Take this survey to find out.