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Sheila Ossowski | Loan Officer
2890 East Cottonwood Pkwy., Suite 255 | Salt Lake City, UT 84121
Phone: 801.815.5476
Email: sheila.ossowski@nflp.com
NMLS: 474278

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a personal touch.

Finally, a mortgage that is truly simple.

We believe you should control your mortgage. That’s why we created the simpl app, built from the ground up with you in mind. Manage your entire loan process, from application, document upload, account sync, and e-signatures, all from your preferred device.

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I got a great rate, and the customer service was just as great.

Matt | Homeowner

 
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I'm so glad we used Network Funding to buy our first home.

Nathaneal & Ana | Homeowners

 
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The loan process was so easy!

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A lender you can trust.

Our values are not just buzz words, they’re our playbook. We believe that your loan officer should have integrity, that you should be able to rely on your lender, and that your process should be simple. That’s why we build our team, our processes, and our entire company around serving our borrowers with the respect and care that you deserve.

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*See Sheila's Disclaimers, Assumptions, and State Licenses
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DISCLAIMER

The information on this page is not meant to be a quote. So, if you want an ACTUAL interest rate quote, or if you’re just curious what you may be eligible for, just ask us!

Annual Percentage Rate (APR) effective 9/15/17. Rates based on Network Funding’s average customer FICOs for 2017. Rates may change or not be available at the time of lock. Not an offer to enter into an interest rate or discount point agreement. Any such agreement may only be made in writing by both the borrower and the lender. Network Funding, LP reserves the right to change or cancel this offer without notice. Subject to applicable laws and regulations. Monthly payment excludes mortgage insurance, homeowners insurance, property taxes and HOA.

ASSUMPTIONS

Conventional: For the information discussed on this page, we’re assuming the following: $300,000 purchase. $291,000 loan amount. $1410 P&I. 4.125% (4.618% APR). 751 FICO.

FHA: For the information discussed on this page, we’re assuming the following: $300,000 purchase. $289,500 loan amount. $1406 P&I. 4.000% (5.089% APR). 686 FICO.

Jumbo: For the information discussed on this page, we’re assuming the following: $1,000,000 purchase. $900,000 loan amount. $4627 P&I. 4.625% (4.669% APR). 761 FICO.

USDA: For the information discussed on this page, we’re assuming the following: $300,000 purchase. $300,000 loan amount. $1512 P&I. 4.375% (4.883% APR). 707 FICO.

VA: For the information discussed on this page, we’re assuming the following: $300,000 purchase. $300,000 loan amount. $1485 P&I. 4.125% (4.421% APR). 721 FICO.

STATE LICENSES

CALIFORNIA: California – DBO Mortgage Loan Originator License // Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act #CA-DBO474278

NEW MEXICO: New Mexico Mortgage Loan Originator License

TEXAS*: Texas – SML Mortgage Loan Originator

UTAH: DRE Mortgage Loan Originator License #9057994

STATE DISCLAIMERS

*For the State of Arkansas:

We do not currently have any branch locations

*For the State of Illinois:

Active Branch location by NMLS#: 931259 . These can be

viewed on NMLS Consumer Access:http://www.nmlsconsumeraccess.org/

*For the State of Texas:

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.