WHY CLIENTS TRUST US

A mortgage experience built around you.

Every homeowner's journey is different. That's why we take the time to understand your goals and provide personalized guidance, responsive communication, and dedicated support from application through closing. Our mission is to make the mortgage process straightforward, transparent, and focused on your success.

🏠 Personalized Mortgage Guidance

We take the time to understand your goals and help you explore financing options that fit your situation.
📄 Simple & Secure Process

Our digital application and document portal make it easy to complete your loan from anywhere.
🤝 Dedicated Loan Support

From application through closing, you'll have one team guiding you every step of the way.
⚡ Fast Communication

We keep you informed with timely updates throughout the loan process.
🔒 Transparent Service

We believe in clear communication, honest guidance, and no surprises.
⭐ Customer-Focused Experience

Our priority is providing excellent service and helping every client have a smooth mortgage experience.

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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.

Our purpose

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.

Testimonials

Network Financial is trusted by homeowners like you.

★★★★★

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Client A.
★★★★★

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Client B.
★★★★★

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Client C.