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The Richardson TeamNetwork Funding · NMLS #863464

For home buyers

Buy with a plan, not a guess.

Here is the whole road from first question to keys, and the programs that make it easier.

4.9 from 277 verified reviewsGoogle 5.0 (11)Experience.com 4.89 (256)
Get pre-approvedFree first-time buyer class

Your path from pre-approval to keys

  1. 1

    Check your numbers

    Use the affordability calculator, then answer a few questions so we can match real programs to your budget.

    Affordability calculator →
  2. 2

    Get pre-approved

    Apply in about 10 minutes. We verify income and credit up front, so your letter carries weight with sellers.

    Start my application →
  3. 3

    Shop and make offers

    Your agent sends offers backed by a verified approval. Lock & Shop lets you secure a rate while you look.

    Need an agent intro? →
  4. 4

    Under contract to closed

    Appraisal, underwriting and clear to close with updates at each step. Most loans close in 21 to 30 days.

    What to expect at closing →

Programs buyers use most

Low down payment options, explained.

Minimums are program floors from our 2026 product guide, not a promise to lend. Requirements depend on the full application. Additional terms and conditions apply.

What buyers say

★★★★★Google
“Kyle is extremely knowledgeable about the mortgage loan process both for refinance and home purchase. Definitely answered all the questions I had and I will continue to recommend him to all my friends and family!”
Simeon R · Sep 2026
★★★★★Google
“Love Kyle and his team! I've personally used them many times and I recommend them to all my clients and friends/family! They are communicative, very responsive, knowledgeable, and great at trouble shooting!”
Brooke D · Jun 2026
★★★★★Experience.com
“Working with Kyle and his team was a great experience. I switched to them late in the home-buying process and they exceeded expectations on meeting the closing date and offering lower fees than my other option. Would highly recommend to any prospective home-buyer!”
Sergio S · Denver, CO · Jan 2022
★★★★★Experience.com
“Kyle patiently took me thru my options when we began and followed thru by finding a competitive loan offer. His team always kept me informed of where we were in the process.”
Wayne D · Georgetown, TX · Nov 2021
★★★★★Experience.com
“The Richardson Team made our transaction extremely easy. They were extremely quick, responsive, and flexible. They adapted extremely well to last minute changes. We will definitely be using them again in future transactions!”
Erin E F · Jarrell, TX · Oct 2021
★★★★★Experience.com
“Kyle and his team are fantastic! They are knowledgeable and easy to work with. They kept us updated every step of the way, highly recommend!!”
Kelli B D · Austin, TX · Feb 2022
Read all reviews on Experience.com →

Buyer questions

How much do I really need for a down payment?

Less than most people think. Conventional loans start at 3% down for eligible buyers, FHA at 3.5%, VA and USDA can be zero down, and down payment assistance programs can cover the rest for qualifying buyers. Closing costs are separate, and sellers can sometimes help.

Does getting pre-approved hurt my credit?

A mortgage application involves a credit check, but the matching questions on this site do not. Multiple mortgage inquiries within a short shopping window are generally treated as a single inquiry by the scoring models.

What if my credit is not perfect?

FHA, VA and USDA loans go down to a 580 score, with manual underwriting available, and we have second chance programs for recent credit events. Tell us where you are and we will map out the fastest path.

Ready when you are.

Start your full application in about 10 minutes, or call and talk to a real person on the team.

Not ready to apply? See your options in 60 seconds
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