Why Cardinal.
Our Differentiators.
We’ve spent the past 30+ years perfecting our processes, investing in technology and products, and assembling a premier team to disrupt the construction lending and attainable housing markets.
Signature Service
Bespoke partnerships and elite industry expertise converge in a seamlessly orchestrated partnership experience.
Industry Influence
Our leadership’s presence on Fannie Mae and Freddie Mac boards shapes market evolution, positioning our partners at the forefront of opportunity.
Precision at Scale
Masterfully balancing nationwide reach with localized excellence through advanced technology and boots-on-the-ground expertise.
Intelligent Insights
Real-time analytics and custom reporting deliver strategic clarity at every phase of construction.
Technological Edge
Octane®, our custom-built platform, achieves 90% automation to optimize partnership efficiency and maximize borrower buying power.
Full Suite of Construction and Renovation Loans
Includes one-time close solutions as well as specialized financing for unique property times including off-site built homes, cross-mod, barndominums, and more.
Traditional, Niche and Everything Between
As a direct servicer for Fannie Mae, Freddie Mac, and Ginnie Mae, we offer core loan products, community lending, and down payment assistance programs.
Always Adding More
In the last 12 months alone, we added over 120 new products to our portfolio, and more are on the way.
Loan Process
Our streamlined process guides you through clear, sequential steps—each with defined actions and ownership—to confidently deliver your project.