Mortgage lending is more than selling loans. It’s about helping people achieve their homeownership goals. Whether that’s helping them reach a better financial position or connecting them to the home of their dreams, it’s about guiding them to the finish line.
My industry experience has taught me to take the time to understand my customers: What’s their story? How can I help them in their pursuit of a home? When I see my customers as real people with real goals, needs, and dreams, I get to match them with the best loan product and create a truly seamless lending experience.
Everyone has a story to tell. What they need is a Loan Originator who will listen, customize a loan to meet their needs, and guide them every step of the way.
Bobby was amazing with answering all of my questions, no matter how ridiculous they may have been. He and his staff were easily accessible throughout this entire process and made me feel at ease. Bobby helped us with many things, including tips on how to improve our credit scores. I've heard horror stories about how difficult and stressful buying a home can be, but with Bobby it was a breeze
Bobby and his crew were great to work with!
Closed my loan in under 30 days. Super knowledgeable and upfront with expectations and needs. Will definitely use him again
I highly recommend Bobby as part of your home buying team. He worked tirelessly to get my husband and I approved for our home! This was our first home and he walked us through the process with patience and expertise. He was always available to answer questions and went above and beyond to handle every aspect of our loan. We will definitely work with Bobby again in the future!
Bobby and his team did a great job assisting my Husband and I in purchasing our first home! We had a bunch of difficulties with our past and current employers but they stayed calm, cool, collected and got the job done on time. Y'all rock, thank you so much for your help!
The process was smooth from start to finish. Bobby and his assistant Amber were a pleasure to deal with. They explained everything and were quick to reply to emails and phone calls. Their assistance made the whole first-time home buying process a little less stressful. We really appreciate it!
I have worked with Bobby Cloud for the last two homes I purchased and am very thankful to work with such a professional! Bobby has always been very quick to respond to any emails or calls and also was able to get me better rates than others were offering. I highly suggest you reach out to him and you will be thankful that you did.
"Insanity, doing the same thing over and over expecting different results"— Anonymous
For those who don’t know, fintech is an emerging sector of the financial services industry that includes any technological innovation in finance. While the two worlds are fundamentally different, companies like Cardinal Financial are constantly working to bring them together to create better ways of completing typically inconvenient financial tasks. From cashing checks to buying a house, almost any financial task can be handled digitally these days. Fintech is the present and future of finance, and these cities are the “sweet spots” for up-and-comers looking to make waves in the promising sector.
As one of the largest financial centers in the U.S., it makes sense that Charlotte would be on the list of emerging fintech hot spots. Home to the headquarters of financial titans like Bank of America and Wells Fargo, Charlotte is ripe with banking talent and tech gurus are starting to take note. Incubator initiatives such as Queen City Fintech and the Carolina Fintech Hub are working to foster local fintech startups and push Charlotte’s fintech ecosystem into the global spotlight, while companies such as LendingTree and AvidXChange have begun to make names for themselves on national and international levels. Considering the Queen City’s status as a financial capital, it shouldn’t be long before Charlotte’s fintech scene reaches similar heights.
Over the past couple of decades, Atlanta has become the de facto capital of the south—so it’s expected that a city that was already a hub for international business would be one of the leaders of the emerging fintech sector. Home to the world’s busiest airport, there’s a lot of potential for Atlanta to make waves internationally with its developing fintech scene. Programs such as Fintech Atlanta have lofty goals of making Atlanta the fintech capital of the world, and so far, the ambition seems to be paying off. Barry McCarthy, chairman of Fintech Atlanta, estimates that 70% of all transactions on a global scale pass through companies with headquarters in Metro Atlanta. Payment processing leaders such as WorldPay, First Data, and TSYS are leading the way in Atlanta’s fintech scene, and with the University of Georgia recently approving a fintech degree program, don’t look for innovation to stop coming out of the Peach State anytime soon.
Home to the University of Texas, Austin is a hip college town that’s loaded with fintech talent. Famous for its official unofficial motto “Keep Austin Weird,” Austin may not seem like the traditional banker’s paradise, but several startups have been drawn to Austin’s eclectic culture and choose to call the city home. Startups like Able and Honest Dollar have taken off locally and are starting to make waves on a national scale, with the latter recently being acquired by Goldman Sachs to bolster their Investment Management Division. With a young and diverse talent pool to pull from, Austin’s entrepreneurial spirit and unique culture ensure that we’ll be hearing its name brought up in innovation conversations for years to come.
What’s the first thing that comes to mind when you think of Miami? Warm weather? Beautiful beaches? Celebrities? Well, get ready to add fintech to that list because the South Florida city is quickly becoming a fintech hot spot. Miami is home to a very diverse population and many Miami startups offer solutions for specific demographics who may be underserved by larger financial players. For example, Waleteros is a banking app that’s designed specifically to serve underbanked Hispanic-American customers. YellowPepper offers solutions for both banks and retailers to better serve Latin-American communities and just landed a $12.5 million investment round from Visa. In a city with as much international flair as Miami, it’s important to think globally, and that’s exactly what Miami startups are doing.
Home to First National Bank of Omaha, the nation’s largest privately held bank, Omaha has combined a thriving banking scene with a rich, research-driven talent pool stemming from the University of Nebraska to become one of the most promising fintech hot spots in the country. Omaha has seen a number of its startups grow successfully and move on to bigger and better things. Omaha startup SmartyPig was bought by Q2, and Zillow recently acquired the Lincoln company Mortech. There are no signs of slowing down in the Omaha fintech scene either with companies like D3 Technology and Hip Pocket becoming household names in the Nebraska finance realm. Long known as “The Gateway to the West,” a new nickname is starting to ring bells across the midwest: “Silicon Prairie.”
What fintech apps do you use? We want to know! Tell us on social media!
When it comes to house hunting, there’s a handful of basic questions you should ask: How many square feet does the house have? How many bedrooms and bathrooms? Does it have a basement? Does it have a yard? Is it in a good neighborhood? Is it in a decent school district? How close is the nearest shopping mall? These are pretty straightforward.
Then there are the oddballs. The questions house hunters are asking (and secretly researching) that are rarely talked about. I asked my fellow colleagues in the CF Marketing department what are some things they (or their friends and family) have taken into consideration before buying a house. You might be surprised at some of the things they said.
Have you ever thought about moving somewhere because of its beautiful foliage? Maybe you’ve considered moving to Georgia for its dreamy Spanish moss or New Mexico so you could have cacti and succulents in your backyard. While this is a factor for some, have you ever thought of the flipside? That’s right, some homeowners specifically don’t move to an area because of the foliage that’s native there.
Dry pollen is easily airborne, and trees like cottonwood, mountain elder, and willow can cause allergies to flare up in some people. Even stranger than researching trees in the area? Bees in the area. Matt Carter, Web Developer, has an interesting experience: “We found out in our research that the neighbor across from the house we were considering is a beekeeper, so they had to warn us in case we were allergic to bee stings.”
Home buyers consistently make the mistake of buying things before they measure. In fact, my own friends bought an L-shaped sofa and couldn’t get it in their house. After trying to maneuver it for hours, they took a chainsaw to it and cut it into three pieces! “Really gives meaning to the word sectional. . . .” Copywriter Khari Pressley said.
But aside from measuring for normal things like sofas and beds, we’ve heard of homeowners measuring for some pretty strange items. “My buddy checked the requirements for a golf simulator to ensure it could fit before bidding on a house,” Digital Marketing Manager Elliott Antal commented. What are some other odd things we’ve heard home buyers measure for? Ceiling clearance for animal trophies; aquariums and terrariums; and pool tables, arcade games, and darts—for the man cave, of course.
Did you know that your daily commute can have an effect on your happiness and well-being? Several organizations in the UK have done research on the topic and an article from The Guardian gives some interesting statistics, stating that anxiety, happiness, and general well-being are affected by “each minute added to a commute.” If that’s the case, home buyers would be wise to research traffic patterns in the area, especially along the route from the home they’re considering to their job location. “It makes working from home that much sweeter—one less item to worry about!” Neil Camm, Web Developer (who works remotely) said.
We know, it’s a little morbid. But house hunters have been known to ask their real estate agent (and the seller) this weird question. Here’s what Graphic Designer Kaitlin Larke has to say: “I know I would be checking to see if anyone had died in the house. I wouldn’t want the previous owner sticking around!” You can’t blame her, and neither does Marketing Assistant Amber Johnson: “If a house even looks haunted, I wouldn’t put a bid on it. I’m not taking any chances!”
It’s the digital age, so can you really blame home buyers for wanting a stable internet connection in their homes? “We found a big home for less than $200,000 that was on 19 acres. It had everything you could’ve wanted and it had been listed for months,” Carter said. “That made us wonder, Why hasn’t someone scooped this up already? We looked into everything, thinking something had to be seriously wrong with the place. Come to find out, there were no internet providers for miles.”
Larke has a similar story: “My uncle lives on the side of a mountain and he told me that new houses up there aren’t offered the option of internet access because the servicer refuses to go up there. So those big, beautiful homes have to figure out something else.” No internet? How will they ever survive?!
For some home buyers, the make-or-break factor in the decision to bid on a home is lurking behind the walls. A big one for most people? Lack of central air conditioning. To install central A/C in an old home requires lots of work and costs a lot of money. And if you find out the return on your investment isn’t worth it, it’s better to skip that house anyway. Another big one? Gas versus electric heating. “My cousin didn’t put in an offer on a house because the entire home was electric,” Creative Director Erica Lee said. “She refused to cook on an electric range and she didn’t want to make the investment to run gas lines to the house either!” Makes sense: you can’t practice your “BAM!” on an electric stove top!
“I get why people live in the South. If you like warmer weather and sandy beaches, it makes sense. That is, until I heard homeowners in the Sunshine State get lizards in their homes. Not spiders, not ants—no, lizards. Thanks, but no thanks!” Graphic Designer Anthony Dean said.
Could pests and other native species really keep someone from moving to a certain region? It does for some, and it’s a question you’ll have to ask yourself. We’ve heard home buyers research everything from emerald ash borer to alligators before deciding to search for a home in that area. What’ll it be for you?
What’s one weird thing you researched before you bought your house? Tell us on social media!