Loan programs
The right loan for every situation.
From first-time buyers to seasoned investors. Network Funding is a direct lender with in-house underwriting, which means more programs and fewer handoffs.
Buying a home
| Loan program | Minimum down | Minimum credit | Best for | Details |
|---|---|---|---|---|
| Conventional Loans | 3% | 600 | Solid credit, flexible down payment | Details |
| FHA Loans | 3.5% | 580 | Lower scores or smaller savings | Details |
| VA Loans | 0% | 580 | Eligible veterans and service members | Details |
| USDA Loans | 0% | 580 | Eligible rural and suburban homes | Details |
| Jumbo Loans | 10% | 660 | Loans up to $3.5M | Details |
| First-Time Home Buyer Loans | 3% | 580 | First home, limited savings | Details |
| Down Payment Assistance | Up to 100% assisted | Varies | Help covering the down payment | Details |
- Conventional Loans3% down · 600 min creditSolid credit, flexible down payment
- FHA Loans3.5% down · 580 min creditLower scores or smaller savings
- VA Loans0% down · 580 min creditEligible veterans and service members
- USDA Loans0% down · 580 min creditEligible rural and suburban homes
- Jumbo Loans10% down · 660 min creditLoans up to $3.5M
- First-Time Home Buyer Loans3% down · 580 min creditFirst home, limited savings
- Down Payment AssistanceUp to 100% assisted downHelp covering the down payment
Specialty and non-QM
| Loan program | Minimum down | Minimum credit | Best for | Details |
|---|---|---|---|---|
| Doctor and Professional Loans | 5% | Varies | Physicians, nurses, CPAs, attorneys | Details |
| Self-Employed and Bank Statement Loans | Varies | Varies | Business owners and 1099 earners | Details |
| Construction and Renovation Loans | Varies | 580 | Build new or renovate | Details |
| ITIN and Foreign National Loans | Varies | Varies | ITIN, DACA and visa holders | Details |
| Second Chance Loans | Varies | Varies | Recent credit or housing events | Details |
| Unique Property Loans | Varies | Varies | Barndominiums, land, manufactured, condos | Details |
- Doctor and Professional Loans5% downPhysicians, nurses, CPAs, attorneys
- Self-Employed and Bank Statement LoansTerms set by your full fileBusiness owners and 1099 earners
- Construction and Renovation Loans580 min creditBuild new or renovate
- ITIN and Foreign National LoansTerms set by your full fileITIN, DACA and visa holders
- Second Chance LoansTerms set by your full fileRecent credit or housing events
- Unique Property LoansTerms set by your full fileBarndominiums, land, manufactured, condos
Investors
| Loan program | Minimum down | Minimum credit | Best for | Details |
|---|---|---|---|---|
| DSCR and Investor Loans | Varies | Varies | Rentals qualified on property income | Details |
Refinance and equity
| Loan program | Minimum down | Minimum credit | Best for | Details |
|---|---|---|---|---|
| Refinance | Not applicable | Varies | Lower rate, shorter term, drop MI | Details |
| Cash-Out Refinance and HELOC | Not applicable | Varies | Turn home equity into cash | Details |
Minimums shown are program floors from our 2026 product guide. Additional terms and conditions apply. Not all loan types are compatible with every product. Subject to underwriting conditions. Not a promise to make a loan. All borrowers must qualify.
Not sure which program fits?
That is our job. Answer a few questions and we will point you to the two or three that make sense.
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