Kitchen remodel

Whether you've been cooking up a kitchen remodel or dreaming of a bedroom makeover, refinancing your home loan can help make it happen with money-saving lower rates or cash out of your home equity.

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.

FHA Loan

Want flexible credit requirements, easy refinancing options, and potential for down payment assistance programs? Try an FHA loan.

Home Renovations

Need financing for home renovations or construction? FHA 203(k) loans can help with low interest rates and flexible credit requirements.

Conventional Loan

Want your choice of fixed or adjustable rates and no PMI after building 20% equity? Try a conventional loan, our most popular option for purchase and refi.

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.