Tosh Pence

Senior Loan Originator

NMLS #1585560

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CALL ME

Office: 321.508.0483

Call or Text: 321.508.0483

EMAIL ME

[email protected]

LOCATION

1401 S. Highway A1A, Suite 206,
Vero Beach, FL 32963

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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!

Let's connect.

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

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My reviews.

Mar 25, 2023

Survey • Shawn

Tosh does a great job at communicating, coordinating and implementing. Always enjoy working with him.

Mar 6, 2023

Survey • Susan

The efficiency of completing the mortgage.

Mar 5, 2023

Survey • Sheri

Tosh was great! Very knowledgeable and responsive when I had questions.

Feb 20, 2023

Survey • You

Our experience with Cardinal Financial Company was fantastic! We found a house and were on a VERY TIGHT relocation schedule. Our loan information was processed quickly, all emails were answered immediately, and closing documents were packaged professionally. Since everyone communicated so efficiently, we were able to close on our house early and save money! We highly recommend Cardinal Financial services to new home buyers because they are very knowledgeable on the state requirements and protect their clients. Thank you for a wonderful experience and welcoming us to your community.

Feb 20, 2023

Google • Morgan

Our experience with Tosh Pence-Cardinal Financial Company was fantastic! We found a house and were on a VERY TIGHT relocation schedule. Our loan information was processed quickly, all emails were answered immediately, and closing documents were packaged professionally. Since everyone communicated so efficiently, we were able to close on our house early and save money! We highly recommend Tosh Pence-Cardinal Financial services to new home buyers because they are very knowledgeable on the state requirements and protect their clients. Thank you for a wonderful experience and welcoming us to your community.

Feb 8, 2023

Survey • Jeffrey

The service here was incredible, and any questions I had, were answered immediately.. The team was more than happy to help and walk me step-by-step through the entire process… I couldn’t have been more grateful and would definitely recommend to anyone that was looking for a loan

Oct 6, 2022

Survey • Remigiusz

Tosh was easy to work with. His level of knowledge and expertise in the business definitely enabled a successful client/lender partnership that ensured an uneventful closing of our property. This was evident through the whole process as he was readily available to me 24/7. Tosh is dedicated to what he does and to his customers, a trait not seen in todays business.

Oct 6, 2022

Survey • Michael

Excellent speed and communication from day 1 to closing.

Oct 3, 2022

Survey • Agnieszka

Tosh and his team are the best. Tosh is a master at finding the best loan for your circumstances. As well, he is an expert at navigating the VA loan process. I've used Tosh on my last purchase and will continue to do so in the future. Don't miss out on excellence.

Sep 26, 2022

Survey • Eric

Good contact answers calls and questions

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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