Justin Kodroff

Justin Kodroff

Loan Originator
NMLS #2016084
Office: 215.398.7157
Fax: 215.398.7157
102 Pickering Way, Suite 500,
Exton, PA 19341

About me.

Mortgage lending is more than selling loans. It’s about helping people achieve their homeownership goals. Whether that’s helping them reach a better financial position or connecting them to the home of their dreams, it’s about guiding them to the finish line.

My industry experience has taught me to take the time to understand my customers: What’s their story? How can I help them in their pursuit of a home? When I see my customers as real people with real goals, needs, and dreams, I get to match them with the best loan product and create a truly seamless lending experience.

Everyone has a story to tell. What they need is a Loan Originator who will listen, customize a loan to meet their needs, and guide them every step of the way.

I look forward to working with you!

Lets connect.

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

All fields are required.
I'm looking to

My reviews.

rating icon

“Justin was fantastic in helping us navigate this market. As first time homebuyers, we had a lot of questions about the mortgage process and Justin was always available, often at odd hours, to answer any questions we had. Justin was great about getting us the lowest rate possible before the federal interest rate hike. Cannot recommend Justin or the Cardinal Financial team enough!”

Anna | Collegeville, PA
Experience.com | April 2022
rating icon

“Justin was very thorough and followed up on all my questions. He also asked the right questions about whether refinancing was the right move for my family. ”

Cesare | Collegeville, PA
Experience.com | April 2021
rating icon

“He was accessible for questions any time of the day or week.”

Diana | Ardmore, PA
Experience.com | September 2021
rating icon

“Prompt response to questions”

Brian | East Fallowfield, PA
Experience.com | March 2021

Loan process

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

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

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

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
Dollar Signs Icon
Crunch the numbers.
Calculator icon
Read our blog.
Newspaper Icon

Ready to get financed?

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