Howard Litwak

Loan Originator

NMLS #1914414

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CALL ME

Office: 518.333.0557

EMAIL ME

[email protected]

LOCATION

3530 Toringdon Way, Suite 200,
Charlotte, NC 28722

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About me.

I've been helping borrowers make confident mortgage decisions for over 20 years.

Choosing a mortgage can feel overwhelming, especially when comparing lenders and options. My role is not to pressure you. It is to help you understand what makes the most financial sense for your situation.

I am not a typical commission-focused salesperson. Clients choose to work with me because they want an experienced mortgage professional who answers questions honestly, explains tradeoffs clearly, and helps them move forward with confidence. Whether it is lowering monthly payments or saving significant interest over time, I am here to improve your financial position.

What my clients value most:

• 20+ years of mortgage experience
• Clear, straightforward guidance without pressure
• Accessible communication
• A smooth, well-managed process
• A partnership approach centered on your goals

Let’s start with a conversation.

Tell me your goals, and we will explore the options that make the most sense.

Let's connect.

Your home buying or refinancing journey starts here. Fill out the form to get in touch.

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By clicking “Submit” below, you are providing your ESIGN signature and express written consent authorizing Cardinal Financial Company, Limited Partnership, its DBAs, and those calling on its behalf to deliver promotions/telemarketing messages, including outside the hours of 8am to 9pm local time, for products and services offered by Cardinal Financial Company, Limited Partnership, including loan products and other related services that may be of interest to you, through the use of an automatic telephone dialing system, AI generative voice, an artificial or prerecorded voice, to the residential landline or wireless telephone number(s) or email address you have provided above. You also agree that your consent remains valid even if any of the number(s) listed above have been added to Cardinal Financial Company, Limited Partnership’s do-not-call list, or to any state or federal do-not-call registry. You acknowledge your consent to receive calls/text from Cardinal Financial Company, Limited Partnership is not a condition of buying any goods or services from Cardinal Financial Company, Limited Partnership, and will not affect whether Cardinal Financial Company, Limited Partnership provides goods or services to you and if you do not wish to consent, you may contact a Loan Originator by calling 855.561.4944. Message and data rates may apply and message frequency varies. You also acknowledge and agree to our Terms and Conditions, which include a mandatory arbitration agreement and class action waiver.

My reviews.

Loan process
overview.

Getting a mortgage or securing a better rate with a refinance doesn’t have to be a migraine. Here’s a high-level look at the process.

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.

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.

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.

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options.

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