Kyle Richardson · NMLS #863464
Branch Manager · Network Funding
Austin mortgage lender, modernized. Service that stays personal.
Austin-based, licensed in 7 states. Pre-approved in about 24 hours, most loans closed in 21 to 30 days.
Not ready? Tap a goal above to see options in 60 seconds.
2,000+
Families served
$500M+
Loans funded
15+
Years experience
4.9
280 verified reviews
Production figures from Network Funding records for The Richardson Team, 2011 to 2026. Review rating and count synced from Experience.com. Licensing verifiable at NMLS Consumer Access.
For home buyers
Know your number before you fall in love with a house.
Down payment assistance, 580 score programs, zero down VA and USDA.
Buyer guideFor Realtors
A lender who makes you look good at the closing table.
Verified pre-approvals, proactive updates, and free classes on AI search.
Partner with usClient reviews on Experience.com and Google
4.9 stars from 280 reviews.
Loan programs
Compare loan programs
Network Funding is a direct lender with in-house underwriting, offering 16 programs from conventional and FHA to jumbo, non-QM and investor loans.
| 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
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.
How it works
From first question to keys.
- 1
Apply in about 10 minutes
Secure application on your phone. Not ready yet? See your options in 60 seconds, no credit pull.
- 2
Get pre-approved
Letters typically go out within 24 hours of your documents.
- 3
Shop with confidence
Lock & Shop and TBD approvals make your offer stronger.
- 4
Close on time
Most loans close in 21 to 30 days, some in as few as 10.
Payment calculator
Run the numbers.
Texas has no state income tax but property taxes run higher than most states. Check your county appraisal district for the exact rate. Mortgage insurance, if any, is not included.
Estimated monthly payment
$3,510
- Principal and interest
- $2,560
- Property tax
- $750
- Home insurance
- $200
- HOA
- $0
- Loan amount
- $405,000
Estimate only, for illustration. Your actual rate, payment and costs depend on your credit, loan program, property and market conditions. Not an offer to lend.
Get my real numbers
Meet the team
A powerful lender with a personal touch.
The strength of Network Funding, a direct lender with in-house underwriting, with a local team that knows Austin. Kyle is a Network Funding President's Club member and teaches Realtors how to get found in Google and AI tools like ChatGPT and Claude.
FAQ
Questions we hear every day.
What types of loans do you offer?
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.
How do I get pre-approved?
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.
What documents do I need to apply?
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.
How long does the mortgage process take?
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.
What is the minimum down payment?
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.
What credit score do I need?
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.
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