Loan Products

Your mortgage should be as individual as you are.

At Network Financial, we get that. What works for your neighbor or coworker doesn’t necessarily work for you. By gaining a complete understanding of your specific situation, background, and needs, we match you with the right option from our vast portfolio of loan products:

  • Conventional Loans

    Strong credit and a standard income profile are good things! If you have them, these loans are for you.

  • FHA Loans

    First-time homebuyers and those with lower credit scores and smaller down payments often feel like homeownership is unattainable. Not true, thanks to these loans that are insured by the federal government.

  • VA Loans

    Those who have served deserve mortgage perks. These loans are exclusive to eligible Military Veterans, active-duty service members, and surviving spouses, and can offer better terms than conventional loans.

  • VA Cash-Out Refinance

    We offer VA cash-out refinancing up to 100% of your home’s value—giving you full access to your equity. Whether it’s for debt consolidation, home upgrades, or financial flexibility, we’ve got you covered. We also work with credit scores as low as 580, making it easier for more Veterans and service members to qualify.

  • Hard Money Loan

    Hard money loans are a fast and flexible financing option for real estate investors. With closings in as little as 7 to 10 days, no income or employment verification required, and credit scores as low as 600 considered, these loans are ideal for flips, rental properties, and time-sensitive projects. You can leverage up to 90% of the purchase price and up to 75% of the after-repair value, making it a powerful tool when traditional financing isn’t an option.

  • Jumbo Loans

    Luxury homes and property values in certain areas warrant a different kind of financing. These loans allow you to acquire pricier properties while still receiving fair terms.

  • Non-QM Loans

    Not everyone earns a conventional salary. These loans provide flexible mortgage options for self-employed borrowers, real estate investors, and those with unique income sources.

  • Debt-Service Coverage Ratio (DSCR) Loans

    If you’re all-in on acquiring investment properties, these loans allow you to qualify based on real estate cash flow instead of personal income.

  • Cash-Out Refinances

    As a current homeowner, you may be sitting on a fair amount of equity. These loans allow you to access it for debt consolidation, home improvements, or other needs.

  • Rate-and-Term Refinancing

    Another option for current homeowners, these loans are a way to change the length of your loan or lower your interest rate to reduce your monthly payment without using your equity.

buying a home conventional loan fha va and more

Your mortgage questions, simplified.

At Network Financial, we’re all about transparency. You shouldn’t be in the dark about anything related to your home loan. Many people ask us the following questions, so here are some basic answers that shed some light on these subjects. For more specific details, you can always ask your Network Financial loan officer directly.

  • Your rate depends on a variety of factors, including your credit score, income, loan amount, and current market conditions. We’ll provide a personalized quote after reviewing your application.

  • Your monthly payment depends on the amount you’re borrowing, the length of your loan, and your interest rate. It will include principal, interest, taxes, and insurance (PITI), and possibly mortgage insurance. We’re happy to go over your specific payment with you when the time comes.

  • It varies by loan type. Some purchase programs allow as little as 3% down or even no money down, while refinancing usually requires 5 - 20% equity depending on your goals. We’ll be glad to show you which loan programs you may qualify for.

  • Closing costs typically range from 2 - 5% of the loan amount. When purchasing or refinancing, they can often be rolled into the loan, depending on the loan type and other factors. For purchase loans, you may be able to negotiate terms where the seller pays the closing costs. We’ll make sure you’re aware of every option available to you.

  • On average, it can take 30 - 45 days for a purchase or refinance to close. Like you, we want to complete your loan process as quickly as possible so you can enjoy your new home or the benefits of your refinance. On your end, being responsive with documents can help speed things up. On our end, we’ll grind to get things done!

  • If you choose a fixed-rate loan, your interest rate and principal payment stays the same. With an adjustable-rate mortgage (ARM), both change after an initial fixed period. The amount you pay for taxes and insurance can and most likely will fluctuate based on economic factors and how much coverage you choose to carry.

  • Most purchase and refinance transactions require an appraisal to determine the home’s value. Some refinances may qualify for an appraisal waiver. We’ll let you know if you absolutely need an appraisal, and we’ll advise you about the benefits if you’re considering not getting one.

  • Yes, you can lock your rate – typically for 30 to 60 days – to protect against rate increases while your loan is processed. We’ll talk more about rate locks early in your loan process so you’re ready to take advantage of them when the opportunity arises.

Our mortgage process

The steps to success.

With a Network Financial mortgage expert guiding you the whole way, you’ll confidently move forward toward a home loan. This is a general list to prepare you for the process; your loan officer may ask for additional items as everything moves along.

  • 1. Connect With Us

    Let’s start with a conversation. Your Network Financial loan officer will help you explore your options, answer questions, and guide you based on your financial goals—whether you’re buying, refinancing, or just planning ahead.

  • 2. Get Pre-Qualified

    This is where we check your credit score and credit report, calculate your debt-to-income (DTI) ratio, and determine how much home or refinance amount you can afford. For a purchase, you’ll get a pre-approval letter that shows sellers you’re a serious buyer. For a refinance, you’ll get an estimate of your new loan terms.

  • 3. Find a Home (Purchase Only)

    Now for the fun part—house hunting! With your budget in hand, you can confidently explore homes, work with a real estate agent, and make an offer and agree to terms with the seller when you find the right fit.

  • 4. Gather Documentation

    At this stage, you’ll gather and submit key documents like pay stubs, tax returns, bank statements, and asset information. You’ll also choose your loan type, lock in your interest rate, and review estimated closing costs. We’ll guide you along the way.

  • 5. Loan Processing & Underwriting

    Here, we review your full application and documentation. We also order an appraisal of the home you want to buy, and our underwriters thoroughly assess your financial profile and the property’s value to determine final eligibility.

  • 6. Conditional Approval

    This step means your loan is on track, pending a few final verifications. You may be asked for additional documents or clarifications—this is completely normal. During this time, it’s important not to make any major financial changes, like opening new credit accounts or switching jobs.

  • 7. Clear to Close

    Once all conditions are met and the underwriter gives the green light, you'll receive a clear to close. That means everything is officially approved, and your closing is scheduled. You’ll also receive a Closing Disclosure that outlines your final loan terms and costs.

  • 8. Closing

    At your closing appointment, you’ll sign the final paperwork to complete the process. Congratulations! For a purchase, you’ll receive the keys to your new home. For a refinance, your old loan is paid off and the new terms take effect.

Meet our founder, Andre Atkins.

Andre Atkins is the Founder and CEO of Network Financial, a mortgage brokerage built on the belief that people deserve more than just a loan–they deserve transparency, opportunity, and a team that actually cares.

With over a decade of experience in the mortgage space, Andre has built a reputation as a relentless advocate for his clients, a mentor to up-and-coming loan officers, and a systems-driven leader.

We are Licensed to lend In:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Dakota, Tennessee, Utah, Virginia, Washington, Wisconsin & Wyoming.

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Network Financial is trusted by homeowners like you.

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