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.

Conventional X

Part of our X product suite, Conventional X is great for clients looking to buy or refinance in areas with a higher cost of living and more expensive homes. It’s a higher loan amount but with better pricing—and without the Jumbo overlays.

Freddie Mac and Fannie Mae High LTV

These programs provide a refinance opportunity 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.

High Balance X

Like our Conventional X product, but with even higher loan limits. Give your client the loan amount they’re looking for with better pricing and fewer overlays than a Jumbo loan.

Home Possible® and HomeReady®

Thanks to Fannie Mae and Freddie Mac, we offer these programs to give your first-time buyers a shot at homeownership. Talk to your client about Home Possible or HomeReady if they have a low down payment and are looking for lower mortgage insurance than standard programs.

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.

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.

Manufactured Housing

You bet we offer loan programs for manufactured housing. Fannie Mae’s MH Advantage offers innovative and affordable financing for manufactured homes with site-built features. It’s more flexible than the standard MH loan with higher LTV ratios and waived LLPA.

Down Payment Assistance

Just like you, we want to make home happen for your clients. We support down payment assistance programs in many states that provide funds to help your clients pay for down payment or closing costs on a home.