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Network Capital's "Same as Cash" Pre-Qualification

Shop confidently. We fully underwrite your file in-house, so all you need to do is find a home. This type of approval allows you the purchasing power to compete with cash offers. It gives you and the seller the assurance that the loan will close*.
The days of waiting a month or more to close escrows are over. Real estate agents and escrow officers love us (and you will too).
*Not all purchase programs qualify for the 'same as cash' pre-qualification.

Down Payment Requirements

From $0 down, whatever your budget, we have a program and solution for you. Our 'no lender fee' policy coupled with some of the lowest rates available makes purchasing your dream home a very affordable reality.

VA Loan

$0 Down Payment

FHA Loan

3.5% Down Payment

Conventional Loan

5% Down Payment


3% Down Payment*


3% Down Payment*

Credit Criteria

Life happens. At Network capital, we get that. Your past doesn't have to dictate your future. You can still get financed even with derogatory marks on your credit history. Check out the waiting-time requirements below. If you still have questions, one of our dedicated Home Loan Experts will be happy to assist you, judgement-free.
Conventional (non-HARP) Loans
Bankruptcy Ch. 7 & 11: Four years
Bankruptcy Ch. 13: Two years
Short sale: Four Years
Foreclosure: Seven years
Conventional HARP Loans
Dependent upon automated underwriting systems "DU" or "LP" when it comes to bankruptcies, short sales, and foreclosures. Speak with a licensed representative to help determine your eligibility.
FHA & VA Loans
Bankruptcy Ch. 7, 11 & 13: Two years
Short sale: Three years
Foreclosure: Three years


refinancing experience
"We had such a pleasant and quick experience! They were very helpful and made the process virtually painless. I would recommend Network Capital to anyone looking for a speedy and thorough refinancing experience."

Why Network Capital?


No Lender Fees

No application, origination, rate lock, processing, or underwriting fees!

Competitive Rates

We offer the most competitively low rates that are available to you.

We're Fast

Close in as few as 15 business days! *
*From intent to proceed to signing closing loan documents. Does not apply for all programs.

Simple Process

We've made our process as streamlined as possible. We can even help gather documents for you!

Discover Your Options

Trust, transparency, and quality service. Our licensed Home Loan Experts will explain all your options in detail and help you choose the best program for your needs. We even provide you with a no-cost, no-commitment quote so you can see it all in black-and-white.

An informed borrower is a happy borrower! Listen to The Mortgage Radio Show!

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