See ya, city

The rural life has a lot to offer—including home loans with 100% financing, flexible credit requirements, and flexible terms. Get a free quote to see what a USDA loan can do for you.

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 a home in an eligible rural area with financing for low to moderate income households? Give USDA loans a try.

USDA Purchase

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.

USDA Refinance

Wrangle up your refi.

Refinance your mortgage to a USDA loan to enjoy a new rate and term in eligible rural areas. If you’re refinancing a current USDA loan, you can speed up the process with less paperwork in a streamline USDA 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.