Looking for a lower monthly payment? Of course you are. Make it happen when you refinance your current mortgage. Rate-and-term, right this way.
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.
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.
Want flexible credit requirements, easy refinancing options, and potential for down payment assistance programs? Try an FHA loan.
Lock now, save later.
Rates change all the time in the mortgage world, but now, yours don’t have to. Rate Protect lets you lock in the rates you need for up to 90 days while you finalize your home search and get any remaining documentation in order.
"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.
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.