Today's Special Offer

10 Year Fixed

3.5%

(3.81% APR)

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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
you!

Our Process

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documents

our process approval

approval

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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.

Buying a Home 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.

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 of mortgages.

VA: VA Loans were created for qualified veterans, service members and their spouses to obtain a home with no down payment.

What our clients are saying about us?

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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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Disclosures

ASSUMPTION: The stated APR and interest rate are estimated for our highly qualified clients, for those single family, owner-occupied properties, where there is no subordinated liens. APR and rate are only available on rate and term refinances and purchases. The loan must include impounds for taxes and insurances. Consumers will qualify with a maximum 60% loan to value, 43% debt-to-income or less, minimum loan amount of $500,000, and a 780 minimum credit score. The APR is based on a minimum loan amount of $500,000, 30 year fixed rate loan with 1 discount point. The actual APR and interest rate may be higher based on your specific situation and not all applicants will qualify for this rate and APR. The APR and Interest Rates are subject to change at any time, with or without notice, and are deemed reliable, but not guaranteed. The Interest Rates and APR stated were available at the time this creative went to print. All loan terms are subject to receipt of a complete application, verification of income, employment, credit review, debt analysis, equity position or home value verification, credit score restrictions and underwriting approval. Loan interest rates and points may vary based on credit history.

LICENSING: NMLS ID #11712 (www.nmlsconsumeraccess.org); Located at 7700 Irvine Center Drive #300, Irvine, CA 92618; Equal Housing Lender, Stated rates subject to change and may not be available at commitment or lock in. Discount Points may apply, Subject to Credit Approval. Not licensed in all states, Licensed by the CA Department of Financial Protection and Innovation under the California Finance Lender Law #603D787; Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act for Servicing Loans #41DFPI-91719; Delaware – Licensed by the Delaware State Bank Commissioner under Chapter 22, Lender license number 010234, expires 12/31/2021; Illinois Residential Mortgage Licensee MB.6760309; New York Licensed Mortgage Banker – NYS Department of Financial Services #B500910, please go to https://www.networkcapital.com/mortgage-licenses to learn more about the states we are licensed in.

*$0 Lender Fee refers to Lender’s Origination, Administration, Funding, Processing or Underwriting fees. Discount Points may apply depending on the rate chosen. All other costs, including, but not limited to Settlement Fees, Title fees, appraisal fees, per diem Interest, surveys, pest inspections, and Insurance premiums still apply.

**15 business days refers to the time between the consumer’s intent to proceed and signing loan documents. This is our Super Express program and participating in the program requires the consumer’s notification at intent to continue. The consumer must be willing and able to submit any and all required documentation in a timely manner, and does not renegotiate terms or pricing after their intent to proceed is given.

TEXAS CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.

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.

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

equal housing lender

EQUAL OPPORTUNITY 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.