Get Started
Let’s begin with a conversation about your home financing goals. We’re ready when you are.
Home Purchase
Whether you’re a first-time homebuyer or looking to finance a second home, investment property, condo or co-op, our dedicated team of licensed mortgage pros will provide you the financing options that best suit your needs.
Refinance
Tap into the equity of your home to pay off other debts or even sell your old home to buy new. Convert an adjustable rate mortgage into a secure, fixed-rate loan. Lower your monthly mortgage payment, reduce your rate, shorten your term, and more.
Renovation Financing
Buy a fixer-upper and make upgrades financed all in one loan. Factor in what your home will be worth after renovation. Borrow more with a low monthly payment. Structural and cosmetic renovations included.
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Welcome To Cardinal Financial
We’re so glad you’re here. For over 20 years, Cardinal Financial has been serving the homeowner and home buyer communities across the nation with a wide variety of home loan products, specialized services to make your experience enjoyable, innovative technology for increased efficiency and expediency, and a host of other customer service features all designed to save you time and money.
As a direct mortgage lender, we conduct the entire financing process ourselves – from the initial application, processing, underwriting, closing and the funding of your loan. Plus, all Local 322 employees have dedicated, licensed mortgage originators to guide them from beginning to closing, and beyond!
Frequently Asked Questions
There are a few ways. You choose which is best for you. You can complete the “Get Started” box above, or call your dedicated telephone number (877-927-2262), or email us at Local322@cardinalfinancial.com any day of the week. Our systems are monitored 7 days a week from 6am to 10pm EST
After we discuss your financing objectives, we will provide you with a list of the documents necessary to begin the process. We have a proprietary, secure platform so you can upload your documents to us from your mobile phone or computer, check your loan status and more. You can also send your documents in any manner that you feel comfortable with.
You will receive an immediate savings of up to $1,690 which is in the form of a lender credit. That amount is the everyday fee for processing and underwriting a loan but you will not be responsible for that. Cardinal Financial will credit the appraisal fee of $495 at closing. You will be given a detailed Loan Quote outlining all costs so there are no surprises and you go to the closing table prepared. There are additional services that can save you even more which your dedicated loan officer will explain to you. Remember to let your family know they are eligible to receive these discounts too!
Cardinal Financial offers a wide variety of home financing programs including but not limited to conventional loans, jumbo loans, FHA, USDA, and VA loans. We also offer disaster relief home financing, construction loans, manufactured home loans and more. Don’t forget – we can provide mortgages in all 50 states. So wherever you go, you can take us with you! We are a direct lender, not a broker, so you save a lot of time and money going straight to the financing source. We will provide you with a competitive rate, loan program options, and all the details you need to move forward confidently. We will gladly work with any real estate agents, attorneys, settlement agents, etc. that you may already have a business relationship with.
Great question! There are many and here’s just a few: We offer a commitment program that gives you a significant buyer’s advantage and gets you to the front of the line as a ready and capable buyer. We offer a “second look” to any pre-approvals you may have received from other banks, credit unions or other lenders. We will let you know if you have a good deal or if we can do better to save you money in the long run.
