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.
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.
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.
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
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.
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.
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.
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.
