Cardinal Financial Wholesale
3701 Arco Corporate Drive Suite 200, Charlotte, NC 28273
https://cardinalfinancialwholesale.com/
Internal Reviews
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Total loans closed with Loan Factory
17,923
Total loans closed with Loan Factory (past 12 months)
14,520
Lender overview
Basic information
Cardinal Financial Company, Limited Partnership ISAOA ATIMA PO Box 29411, Phoenix, AZ 85038-9411 Cardinal Loan #
Cardinal Financial Company, Limited Partnership ISAOA ATIMA PO Box 29411, Phoenix, AZ 85038-9411 Cardinal Loan #
Lock policies & Fees
Lock Policies
FNMA, FHLMC, FHA, VA, & USDA Loans : Lock extension cost | 0.02 pt per day
Jumbo Loans: Lock extension cost | .125 pt for 5 days | .25 pt for 15 days | .50 pts for 30 days
If the the original lock expired less than or equal to 30 days before the relock request, the lock is subject to worst-case pricing, and a relock fee of 25 bps (0.25% of the loan amount). Worst-case pricing compares the original lock scenario at the current market pricing to the initial lock pricing, including extension costs. Any existing extension fees are removed if the current pricing is worse than the initial lock pricing plus extension fees. In the following example, the extension fees would be removed.
Lender's niche & Overlays
VA - we accept FICO as low as 550 and offer Manual UW for FICO 580 and higher; Max DTI accepted for manual UW is 60% with at least 120% residual income; other conditions could apply.
FHA - we accept FICO as low as 550 and offer Manual UW for FICO 580 and higher; please call me for a list of compensating factors required for manual UW.
FHA 203K, Fannie HomeStyle and Freddie Choice Renovation products.
Lender turn time
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