Get Started
Let’s begin with a conversation about your home financing goals. We’re ready when you are.
Let’s begin with a conversation about your home financing goals. We’re ready when you are.
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.
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.
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.
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 253 employees have dedicated, licensed mortgage originators to guide them from beginning to closing, and beyond!
Local 253 employees and their families have made sacrifices every day and especially during this time of uncertainty. Your dedication, commitment and courage have made a difference in our communities and that deserves our deepest gratitude and admiration. One meaningful way for us to show our appreciation is to offer our exclusive program of discounted home loan programs and other helpful services. We are excited to be part of your loan journey.
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 (800-650-5253), or email us at Local253@
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.
Offer only available in New York, New Jersey, and Connecticut. Cardinal Financial Company, Limited Partnership reserves the right to terminate this program at any time. Savings are in the form of a lender credit when a home purchase or refinance is funded by Cardinal. Cardinal will issue a credit for its lender fees totaling $1,690 in New York, New Jersey, and Connecticut. The Lender’s Attorney Fee is credited at closing totaling up to $1,295 for home purchase and $995 for refinance, if the fee is applicable in the state.
This is not a loan commitment or guarantee of any kind. Loan approval and rate are dependent upon borrower credit, collateral, financial history, and program availability at time of origination. Rates and terms are subject to change without notice. Corporate Address: 3701 Arco Corporate Drive, Suite 200, Charlotte, North Carolina 28273. Cardinal Financial Company, Limited Partnership (NMLS ID 66247, www.nmlsconsumeraccess.org) has the following licenses: AZ Mortgage Banker License #0925883; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Finance Lenders Law license, License No. 603K498; Kansas Licensed Mortgage Company #MC.0025207; Massachusetts Mortgage Lender/Broker License MC66247; NV Mortgage Company License #3968; Licensed by the New Jersey Department of Banking and Insurance #8701663; Licensed Mortgage Banker – NYS Banking Department #B500951; Rhode Island Licensed Lender #20132934LL; and is also approved to lend in: AL, AK, AR, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NH, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY. Additional licensing information can be found at: https://cardinalfinancial.com/