Expertise from experience
The expertise we provide to you is the result of over 25 years of lending. It is this extensive experience that ensures you'll receive excellent advice, professional service and a quality loan with exceptional value.
Respected in our industry
Only mature lenders with a proven record of success achieve the status of approved lender for Fannie Mae, Freddie Mac, Ginnie Mae, and approved lending institution for the FHA, VA and USDA. Cardinal Financial has earned all of these approvals and has consistently maintained the high standards required by them.
Focused on our customers
We focus on you, our client. We respect your trust, your time, and your privacy. We keep your information safe. We make it easy to collaborate with us efficiently, when it’s convenient for you.
Simplifying the loan process
We make the complicated process of obtaining a home loan simple for you. We explain the loan process, let you know what you need to provide, make it simple for you to do so, and keep you updated every step of the way.
Our culture is firmly grounded in our people — in who we are, what we believe and how we work with each other and our customers. We seek to deal with others as we would have them deal with us. We are knowledgeable, experienced, responsive to your needs, and committed to ensuring your experience with us is a great one.
Quality at every step
Your loan experience is our product and we are committed to its quality. The key to a smooth loan process is accuracy. Every step of our process is designed to prevent and eliminate errors. We have checks on every step to ensure things are done right.
Efficiency to speed your loan
We have fine tuned our workflow and technology to ensure your loan moves from quote to closing quickly. We allow you to collaborate with us to provide documentation online, further speeding the process.
Our banking expertise and emphasis on efficiency allow us to provide loans of exceptional value. We offer lower closing costs, lower monthly payments, and lower cost for you over the life of your loan.
Our Loan Process
Our loan process is designed to ensure convenience, efficiency and quality.
Explore your options
A home loan is an important decision. You should know more about your loan than interest rate, monthly payment and estimated fees. Our loan consultants will explain your loan options in detail and in simple language.
Apply for your loan
Once you’ve selected a loan option, we’ll walk you through your application, asking simple questions. It takes most people about 30 minutes. There’s no obligation even after you apply.
Gather your documentation
Getting a home loan requires you to provide documents, such as pay stubs and bank account statements. We analyze your application and create a custom-tailored list of documents with a checklist for each. This ensures your loan will be processed as fast as possible.
Send documents securely
We let you upload your documents online over a secure connection. Your documents are sent to our servers and are instantly available to your loan team. There's no need for mail, fax or unsecure email delivery.
Loans require a lot of signing. We make it easy. We let you review and e-sign your documents securely online. If you prefer to sign in ink, we make that easy, too. Just download, sign, scan and upload.
Request changes if needed
After applying, you might want to make a change. You may want different terms or would like to explore other options. That's not a problem. Your loan team can create other options and present them to you. You can switch, and your loan won’t get derailed.
We'll take care of the rest.
We assure you that your loan will move smoothly—from application to closing. We’ll give you updates each step of the way, and be there if you have questions or need help. We’ll take care of everything, and you’ll have a great experience.