You love where you are, and we love that for you. Put down roots in a house with a mortgage you'll love, too. Explore your options with a free rate quote.
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.
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.
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.
Fresh air and affordable financing.
Put 0% down on a home in an eligible rural area with a USDA loan. Backed by the U.S. Department of Agriculture, USDA loans are for low to moderate income households. You could get approved with credit scores as low as 580.
"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.