Cardinal Financial for Builders

Real talk: Our job wouldn’t exist without you. That’s why we’ve cultivated One-Time Close Construction loans and Builder Forward Rate Lock — innovative builder offerings to help you simplify your process and scale your business.

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The Cardinal Difference

We know you’ve got options when it comes to choosing your preferred lending partner. So, why us? From our tech to our people to our innovative products, our tagline is Mortgage lending done right™. That means a great experience for you and the homeowners you work with.

  • Dedicated Construction teams
  • No outsourced draws
  • Include land in the financing or build on a lot you already own
  • Automated loan status updates
  • Fully underwritten approval prior to contract
  • Strong local partnerships
  • Flexible terms and products for your buyers
  • Increased exposure through neighborhood events
  • Additional co-marketing support

Builder Programs

Whether you’re looking to simplify your process, scale your business, or both, our programs are designed to help.

One-Time Close Construction Loans

One-time close loans are built to streamline the entire construction and mortgage process for new home builds. With one-time close, your buyers enjoy the convenience of just one set of closing costs for land, materials, and labor. Plus, we never outsource draws.

Builder Forward Rate Lock Program

The home-buying process can be complicated. We’re here to simplify it with the CF Builder Forward Rate Lock Program. This program helps you sell faster and lock in competitive rates for your future buyers when you purchase loans in bulk for your developments.

Flexible Qualification by Design

  • Credit scores as low as 550
  • Up to 96.5% financing is available for some buyers
  • 100% financing available for VA loans
  • Generally, no re-qualification required once the buyer is approved
  • No property value recertification required for FHA and VA products

Products with Purpose

Loan parameters can change – for the most accurate details of all loan products, please speak with your Cardinal Financial loan originator for details.

Property Types for All

To help you reach more customers, Cardinal Financial proudly offers financing for a wide range of property types.

Container Homes

Eco-friendly and innovative, container homes offer a unique, customizable living space with a reduced ecological footprint.

Tiny Homes

Tiny homes are a haven of simplicity and efficiency, perfect for a minimalist lifestyle or a quaint, cozy retreat.

Manufactured Homes

Affordable and quality-focused, manufactured homes provide comfortable living with efficient, factory-built construction.

Modular Homes

Modern and flexible, modular homes blend the speed of prefab construction with customizable design options.


Experience luxury and convenience with a condominium, featuring top amenities and prime urban locations for a maintenance-free lifestyle.


Combining rustic charm with modern living, barndominiums offer spacious, versatile homes in serene rural settings.

Our Builder Process

  • Make interest-only payments during the construction phase
  • Options to have no payments due from buyer during construction
  • Single close reduces total closing costs
  • Commissions paid in full at closing (prior to construction commencing) at the builder’s discretion
Built to serve. Engineered to scale.

Octane is our custom-built loan technology that facilitates the most predictable mortgage experience possible, giving users like you more control over your business.

  • Live loan updates
  • Piecemeal conditions
  • 24/7 access
  • Instant conditions
  • Activity records
  • Faster full underwriting approval

Frequently Asked Questions

You asked, we answered.

Does Cardinal Financial outsource draws?


How long does the process take?

Depending on the builder, we can accommodate 4, 6, 9, and 12-month builds.

Is the builder’s credit pulled?


What documents are required?

W-9, copy of General Liability Insurance Policy, builder questionnaire, copy of general contractor’s license

Contact Us

Let’s discuss what our builder programs can do for your business.