Growing family

Congrats! New (and adorable) additions to your family are cause for celebration. But crowded living spaces? Not so much. When it's time to grow, we've got options to make it happen.

Our loan picks for you.

No two home loans are the same, just like no two borrowers are the same. Based on your goals, these could all be launch points for your homeownership journey.

FHA Loan

Want flexible credit requirements, easy refinancing options, and potential for down payment assistance programs? Try an FHA loan.

Conventional Loan

Want approval with credit scores as low as 620, your choice of fixed or adjustable rates, and no PMI after building 20% equity? Try a conventional loan.

Down Payment Assistance

Need a little help getting home? Down payment assistance programs offer just that—financing to help you cover closing costs on your mortgage.

Our process.

"Mortgage lending done right" is more than our tagline. It's our promise: to guard your personal info like it's our own, to mind the details big and small, and to set clear expectations for the loan process. Here's a peek at what it's like to get financed, the Cardinal way.

Connect and apply.

First, get your free quote. Then one of our loan originators will be in touch to say hey, discuss your goals and options, and walk you through the application process.

background image

Lock and close.

Whether you’re purchasing or refinancing, our underwriting team crosses the t’s and dots the i’s to verify your info. We’ll update you on your progress every step of the way. 

background image

Make yourself at home.

Once your loan is locked and you’ve signed your closing disclosures, you either get your keys or you get on with your life in the home you love, with the rate you deserve.

background image

Ready to turn your reason into reality?

One of our loan originators is standing by to assist you.