Mortgages 

Home Loan Types

Mortgage Loan for New Home

Conventional

Standard, simple, and the most popular loan for people who seek a basic loan.

3% Down

Homeowners

FHA

Lower down payments and credit scores accepted for those who seek flexibility.

3.5% Down

Luxurious Home

Jumbo

Large loans up to $2M for those with big dreams seeking a high balance loan.

10% Down

Aerial View of Farm

USDA

Low-income eligible for 100% financing for those who love the countryside.

0% Down

US Army Soldier in Universal Camouflage

VA

Exclusive benefits for military, veterans, and those who have served our country.

0% Down

Home Purchase Process 

1.

Consult a Loan Officer

Connect with a loan officer over the phone to discuss your needs and to determine the best path forward. 

2. 

Get Octane® Access

Register your account and get access to Cardinal Financials' home loan platform that simplifies the process.

3.

Find Your Home

Start the search and find your new home!

4.

Provide Your Information

Provide a little more information on the property, verify your income and assets, and run your credit. 

5.

Lock In Your Loan

Compare your loan options, choose what is best for you, and lock in your loan. 

6.

Complete Your To-Dos

Complete your personalized to-do list in Octane and provide the requested documents and signatures. 

7.

Processing

Your loan is processed and you check the status every step of the way in Octane. 

8. 

Closing

Review your closing documents generated in Octane, schedule your closing, and attend the closing. 

9.

Welcome Home

Congratulations, you are officially a homeowner! It is time to move into your new home!