Mortgage questions, answered.

A full range of residential loans: conventional, FHA, VA, USDA, jumbo, construction and renovation, doctor and professional loans, bank statement and other self-employed options, DSCR investor loans, ITIN and foreign national programs, refinance, cash-out and HELOC. Network Funding is a direct lender, so most of this is underwritten in house.

Start with the short questionnaire on this site or call 512-657-1333. The full application takes about 10 minutes on your phone, and we can typically issue a pre-approval letter within 24 hours once we have your documents.

Usually recent pay stubs, W-2s or two years of tax returns, recent bank statements and a valid ID. Self-employed borrowers may use bank statements, a P&L or 1099s instead of tax returns on certain programs. We send a complete checklist once you start.

Most loans close in 21 to 30 days from contract. Some close in as few as 10 days depending on the loan type and how quickly documents come in. You get a clear timeline on day one and updates at every milestone.

It depends on the program. Conventional loans start at 3% down for eligible buyers, FHA at 3.5%, and VA and USDA offer zero down for eligible borrowers. We also offer down payment assistance programs and an FHA $100 down option.

FHA, VA and USDA go down to a 580 score, including manual underwrites. Conventional loans need a 600 score when you put less than 20% down, and we have options with no minimum score, or no score at all, on certain programs.

We are licensed in Alabama, Arizona, Florida, New Mexico, Oklahoma, Tennessee and Texas, with our office in Austin.

The Nationwide Multistate Licensing System is the registry for mortgage loan originators and companies. Kyle Richardson is NMLS #863464 and Network Funding, LP is NMLS #2297. You can verify both at nmlsconsumeraccess.org.