Consult a Loan Officer
First, we’ll get you on the phone with one of our licensed loan officers. They’ll ask you some basic questions to find out what you’re looking for. From there, they’ll determine the best path for you to take, whether that’s a pre-qualification, pre-approval, or mortgage application. Consult a Loan Officer.
Get Octane® Access
Once we’ve connected you with a loan officer, they will email you a link to register your account and get Octane access. What’s Octane? Octane is our home loan platform that makes the process faster and easier. Learn all about Octane.
Find Your Home
Time to get shopping. If you’ve already begun your home search, great. If not, this is the perfect time to get started and find the home that’s right for you. If you need help finding a real estate agent, we can connect you with one of our preferred partners.
Provide Your Info
Tell us a little more about yourself and what you’re looking for. Then, we’ll collect your property details, run your credit, and verify your income and assets up front so that once your offer is accepted, you’ll be three steps ahead. Investing a little more time up front will save you time throughout the process. Octane saves your progress so you can come back and finish when it’s convenient for you.
Compare Options & Lock Your Loan
At this point, you’ll review your loan options and choose the best one for you. In Octane, you can conveniently compare rate quotes with detailed loan information side by side to help you make the right selection. As always, your loan officer will be just a phone call away if you need help.
Complete Your To-Do List
Octane generates a personalized to-do list of all the remaining documents we’ll need from you. Don’t have everything all at once? No worries. You can sign into Octane and upload or e-sign your documents at your own pace. It’s secure and paperless so you can be confident that what’s private stays private.
Sit tight as we perform rigorous checks to ensure you’re getting the best loan possible. Throughout the processing phase, you’ll be able to see your loan activity in Octane in real time. We’ll keep you up to date on where your loan is in the process every step of the way.
You’ll see an estimated closing date in Octane so you can prepare accordingly. Octane will also generate your closing documents so you can review them at your convenience. Don’t worry about bringing them to the closing table—your settlement agent will handle that.
Congratulations! You’re officially a homeowner. Time to move in and start unpacking. We’re so glad you chose Cardinal for your home financing needs. But it doesn’t have to end here. If you or anyone you know needs a mortgage lender in the future, you know who to call!