COMPETITIVE PRICING & FLEXIBLE PRODUCTS

Products your clients will love.

More options. Maximum flexibility.

Brokers trust us with their difficult loans. When you need options and flexibility, we offer a variety of products to help you stay competitive.

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Freddie Mac and Fannie Mae High LTV

For your clients who have existing Fannie Mae or Freddie Mac mortgages where the LTV ratio for a new mortgage exceeds the maximum allowed for a standard refinance product.

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Home Possible® and HomeReady®

These programs make homeownership more accessible for first-time buyers. If your client needs a low down payment and lower mortgage insurance, try Home Possible and HomeReady.

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FHA 203(h)

Replace their home. Restore their dreams. We offer the FHA 203(h) Home Loan Program for families who need a fresh start after a major disaster with features like no down payment requirement and 100% financing.

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Community Lending

We know you occasionally have a client who feels like homeownership is out of reach. Lucky for them, Cardinal supports affordable housing with lender- and agency-funded programs in many states.

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Manufactured Housing

Fannie Mae’s MH Advantage offers affordable financing for manufactured homes with site-built features. It’s more flexible than the standard MH loan with higher LTVs and waived LLPA.

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Down Payment Assistance

We support down payment assistance programs in many states to help your clients pay for down payment or closing costs on a home.

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Renovation Loans

Our Renovation loans streamline financing by rolling your clients’ project costs and mortgage into one, convenient loan. Most loans can also be paired with EasyPath™ Renovation.

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Cardinal Elite

With Cardinal Elite, you can assist FHA borrowers with a 10-year second mortgage. This program offers competitive pricing and consistent monthly payments for both first-time and repeat buyers.