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Network Capital Funding

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LAST UPDATED: June 7th, 2022

Founded in 2002, Network Capital Funding is an award-winning mortgage company, offering straightforward mortgage options with competitive interest rates in 25 states across the nation. The company prides itself on getting borrowers to closing fast — in no more than 15 days.

However, Network Financial loan options are limited in comparison to other mortgage lending companies, offering only conventional loan, FHA loan, and VA loan options.

Whether you’re buying a home or refinancing your home, Network Capital can save you time and money, while also assisting you in capitalizing on the equity in your home.

Keep reading for a full review of this mortgage company, and Network Capital Funding reviews from real customers.

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The Good

  • Competitive Rates
  • Streamlined Application Process
  • Fast Closing Times
  • $0 Lender Fee Programs
  • Helpful Mortgage Calculators 

Competitive Rates

Network Capital publishes mortgage rates on its website, a unique practice in the industry because rates change frequently and are largely dependent on an individual’s credit score and finances. However, the Network Capital website doesn’t provide personalized mortgage rates.

Nonetheless, Network Capital’s rates are below average, providing homebuyers with the opportunity to save more money on their mortgage and monthly payments.

Streamlined Application Process

Network Capital’s home loan application process is quick and easy, and can be completed entirely online. The company’s pre-approval application takes only a few minutes, and you will then be asked to provide personal information and specific documentation to complete the application process. 

Fast Closing Times

Once your application has been approved, Network Capital advertises that it can get you to closing in only 15 days. This is a significant promise because it typically takes 30 to 45 days to get to closing with other lenders in the mortgage industry.

Thus, if you want to streamline the mortgage process and close quickly, Network Capital could be a good option for you.

$0 Lender Fee Programs

Network Capital offers a locked rate and no lender fees on some home loan refinance products. However, specific information on these programs is not available on the company’s website.

If you would like more information on these options, you will likely need to speak with a Network Capital representative.

Helpful Mortgage Calculators

Network Capital provides helpful mortgage tools and calculators to help you gauge your financial solutions and options:

  • Affordability calculator — Determine how much house you can afford by entering your annual income, monthly debts, and down payment.
  • Debt-to-income calculator — Determine your debt-to-income ratio, required for mortgage eligibility.
  • Mortgage calculator — Determine the mortgage amounts that work within your budget by entering your home price, down payment, loan program, and interest rate.
  • Amortization calculator — Determine how much of each payment will go towards the principal and interest rate for the life of your loan.
  • Home value check — Determine the current market value of your property by entering your address and zip code.

The Bad

  • Not Available in All States
  • Limited Loan Types Available

Not Available in All States

Network Capital is not licensed to provide mortgages in all states. The company’s mortgage products and services are only available in the following 24 states, and Washington D.C.:

  • Alabama
  • Arizona
  • California
  • Colorado
  • Delaware
  • Florida
  • Illinois
  • Indiana
  • Iowa
  • Louisiana
  • Maryland
  • Michigan
  • Minnesota
  • New Jersey
  • New Mexico
  • New York
  • Ohio
  • Oregon
  • Pennsylvania
  • Tennessee
  • Texas
  • Virginia
  • Washington
  • Washington, D.C.

If you don’t reside in any of the states listed above, Network Captial’s mortgage products are not available to you and you’ll need to look into other home loan lender options.

Limited Loan Types Available

Network Capital offers conventional loan, FHA loan, and VA loan options for both home purchasing and refinancing. While these loan types may meet the needs of the majority of homebuyers, other mortgage companies offer a much wider range of mortgage products including USDA loans, adjustable-rate mortgages (ARMs), and jumbo loan products, to name a few.


The Bottom Line

Network Capital Funding is a reliable and trusted mortgage company, offering competitive rates and fast closing times — the company advertises that it can get you to closing in as little as 15 business days, half the time of the average time it takes to get to closing (30 to 45 days).

Homebuyers can choose from conventional loan, FHA loan, and VA loan options with lower-than-average mortgage rates.

However, Network Capital isn’t licensed in all 50 states, and borrowers are limited in loan products available to them; the company doesn’t provide products such as adjustable-rate mortgages (ARMs) or USDA loans.

View Best Mortgage Lenders

Currently, Network Capital Funding reviews are limited. If you have financed a home purchase through this company, please tell us about your experience by leaving a review.

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