Back to school

When's the right time to buy a home? Before the school year starts! That way, you have plenty of time to settle in, soak up the last bit of summer, and register in your new district.

Our loan picks for you.

No two home loans are the same, just like no two borrowers are the same. Based on your goals, these could all be launch points for your homeownership journey.

Conventional Purchase

It’s popular for a reason.

When you need a straightforward mortgage, a conventional loan fits the bill. This popular choice offers fixed and adjustable rates, 10-30 year terms, and as little as 3% down. It’s also the easiest loan type for dropping private mortgage insurance.

FHA Purchase

Financing with room to grow.

Looking for low down payment and credit requirements? An FHA loan could be the right fit for your home purchase. Backed by the Federal Housing Administration, FHA loans are popular with first-time buyers and anyone growing their finances.

Down Payment Assistance

Need a little help getting home? Down payment assistance programs offer just that—financing to help you cover closing costs on your mortgage.

Our process.

"Mortgage lending done right" is more than our tagline. It's our promise: to guard your personal info like it's our own, to mind the details big and small, and to set clear expectations for the loan process. Here's a peek at what it's like to get financed, the Cardinal way.

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.

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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. 

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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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Ready to turn your reason into reality?

One of our loan originators is standing by to assist you.