Brenda O’Neill

Brenda O'Neill

Loan Originator
NMLS #1513900
CALL ME
Office: 228.284.2291
Mobile: 228.260.5920
LOCATION
151 Fly Creek Ave, Suite 411,
Fairhope,, AL 36532

About me.

Deciding to settle our family on the Mississippi Gulf Coast over twelve years ago with my husband of thirty-five years has been such a blessing. It allows us time with our children & five grandchildren. Prior to planting here, we called Holiday, FL home. We have a large family with roots spreading from Michigan, where I was born, all the way across to Louisiana.

I understand the importance of helping you navigate this process and ultimately get you in your next home. I bring over ten years of mortgage industry experience to Cardinal Financial. My specialty is working with veterans to ensure full use of the benefits and buying power of VA loans. In addition, I am dedicated to first time home buyers needing the assistance of FHA, USDA and Conventional loans.

Lets connect.

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

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My reviews.

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“Your staff made the whole process easy to do, and they stayed on top of all the documents that needed to be reviewed and signed. I just want to say Thank You very much, it has been a pleasure working with Cardinal Financial. I highly recommend any future mortgage needs by either myself or anyone that I know and will refer them to you.”

Deborah | Boyertown, PA
Experience.com | October 2021
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“Everyone answered all questions professionally and promptly. They worked very hard to make sure everything went smoothly for us.”

Danielle | Allentown, PA
Experience.com | September 2021
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“All of my questions, and I had a lot, were quickly answered. Thank you!”

Terryl | Beaverton, OR
Experience.com | September 2021
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“the new app of there you could see how the process was going ”

Rafael | Spring Grove, PA
Experience.com | August 2021
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“Online submission made is very convenient and easy.”

Cecilia | Round Rock, TX
Experience.com | September 2021
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“Easy to communicate-quick responses to questions.”

Karyn | Gilbertsville, PA
Experience.com | August 2021
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“Efficient and good communication, timely service.”

Beyene | Virginia Beach, VA
Experience.com | September 2021
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“Just closing on my beautiful Home period!!!!”

Orlando | Griffin, GA
Experience.com | September 2021
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“Easy, fast process! Thank you so much!”

Shannon | Moorestown, NJ
Experience.com | September 2021

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.
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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. 
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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.
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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.
Explore mortgage
options.
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Crunch the numbers.
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Read our blog.
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Ready to get financed?

Start the process today with a personalized rate quote. There's no cost and no commitment.