Our Programs

Which Home Loan Could Be The Best For You?

Florida style home with palm trees

Conventional

This is a popular option and typically offers a lower rate.
May require a higher credit score than many other loans.

Best for: Repeat Buyers, Applicants with higher FICO scores.

Apply For A Conventional Loan

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VA Loans

Exclusively for military veterans and members of the US military.

Best for: Veterans, Active Service Personnel, qualifying Reservists.

Apply For A VA Loan

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Adjustable Rate Mortgage (ARM)

This loan’s rate is typically lower for the first 5 to 10 years before adjusting each year.

Best for: Buyers wwho will refinance or sell their home before their rate adjusts

Apply For An ARM Loan

Woman handing a man keys to a home

Jumbo Loans

These are for more expensive properties and provide up to $2.5 million in loan funds.

Best for: Buyers in areas with higher property prices, and those planning to build a custom home

Apply For A Jumbo Loan

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FHA Loans

These are partially insured by the Federal Housing Administration (FHA). This means lenders can offer options with easier credit qualifying and lower down payments.

Best for: First time buyers, and those without savings for a big down payment

Apply For An FHA Loan

Silhouette of house in a field with bright blue sky

USDA Loans

Similar to FHA loans, these offer easier credit qualifying and down payment options. Only available for properties in areas defined as rural by the USDA.

Best for: Buyers of properties in rural areas

Apply For A USDA Loan

As your local home financing professional, I can answer your questions about the loans described here, plus others also offered by Cardinal. Call today to get started!

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