![Habiba Bakous](https://s3.amazonaws.com/cdn.cardinalfinancial.com/wp-content/uploads/2022/02/21155242/lo_default_headeshot_rectangle.png)
Habiba Bakous
(She/Her)
Loan Originator
NMLS #349135
EMAIL ME
[email protected]About me.
I combine expert technical and analytical qualifications with broad knowledge and background of underwriting, risk management, and due diligence with a strong background in loan servicing, asset management, and loss mitigation strategies.
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.
![Document Click Icon](https://www.cardinalfinancial.com/wp-content/uploads/2022/03/icon-document-click.png)
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.
![Padlock Icon](https://www.cardinalfinancial.com/wp-content/uploads/2022/03/icon-padlock.png)
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.
![Keys Icon](https://www.cardinalfinancial.com/wp-content/uploads/2022/03/icon-keys.png)
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.
Ready to get financed?
Start the process today with a personalized rate quote. There's no cost and no commitment.