Cardinal Financial Review: A Mortgage Lender With Options for Tiny Homes and Other Unique Dwellings

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Advantages and disadvantages

Cardinal Financial Interest Rates and Fees

Cardinal Financial does not show sample rates or disclose its lender fees on its website. To get a quote, you will need to call or fill out an online form to request that a loan officer contact you.

Some lenders display sample rates on their website or even allow borrowers to see personalized rates based on their financial situation without having to provide contact information. Although these rates are not 100% accurate, they can help you get an idea of ​​the range of rates offered by the lender.

Compare with other mortgage lenders

Cardinal Financial Mortgages vs. LoanDepot

Between these two lenders, Cardinal Financial is the better choice in terms of loan options and overall affordability. However, if you value an easy online experience, LoanDepot might be a better choice, as it offers the ability to quickly get prequalified online without having to speak to a loan officer first.

Cardinal Financial against better mortgages

Better is one of Personal Finance Insider’s top online lenders, and it’s a great option for borrowers who value digital convenience from application to closing. It also charges no lender fees and makes it easy to see custom rates on its website.

But if you’re looking for a wider range of mortgage options, you’d probably prefer Cardinal Financial, as Better’s offerings are relatively limited.

How Cardinal Financial Mortgages Work

You can get started with Cardinal Financial by phone or by providing contact information for a loan officer to contact you. Once you have initiated your application, you will be able to use Cardinal Financial’s Octane platform, which allows you to easily access your loan details or upload documents for underwriting.

Cardinal Financial issues mortgages in all 50 US states and Washington, DC.

This lender offers a variety of different types of mortgages, including conforming, FHA, VA, USDA, and jumbo loans. In addition to standard FHA loans, Cardinal Financial also offers FHA 203(k) and 203(b) Repair Trust Loans, which can be used to finance home renovations or repairs, and FHA 203(h) Loans, which allow borrowers to finance repairs or a replacement home in the event of a disaster.

Cardinal Financial also offers financing on manufactured homes and unique home types, including tiny homes and shipping container homes.

To get a mortgage from this lender, you will need at least a credit score of 620 for a conforming mortgage and a score of 580 for one of their government backed mortgages.

Is Cardinal Financial Trustworthy?

Cardinal Financial currently has an A+ rating from the Better Business Bureau. A good BBB rating indicates that a company is honest in its advertising, transparent about business practices, and effective in responding to customer complaints.

Cardinal Financial has not been involved in any recent public scandals.

On its Zillow lender profile, Cardinal Financial has a rating of 4.92 stars out of 5, based on 3,888 customer reviews. On TrustPilot, it has 4.5 out of 5 stars based on 579 customer reviews.

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