REAL ESTATE AGENT PARTNERS
(Gold Star Mortgage has proven to be a pioneer in streamlining the home loan process. Our proprietary loan origination system, Octane, enables simple and clear mortgage processes, making homeownership dreams more attainable for everyone. This innovation paired with our dedicated, service-oriented team has allowed Gold Star to provide billions of dollars per year in home financing to satisfied buyers across the nation.)
We want what you want.
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We want to put buyers in homes and ensure those buyers are offered the best service, quickest close and the right mortgage for their needs.
We bet you do, too. After all, the tried and true strategy for retaining clients and gaining repeat business is setting them up with a great end-to-end homebuying experience. Wouldn’t it be nice to have a lending partner that you know will delight your buyers and get them what they need quickly and easily?
WHY PARTNER WITH US
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Our Octane system
creates efficiencies and
eliminates roadblocks, all
while integrating seamlessly with third-party software.
Leverage co-branded
marketing resources available through the Total Expert
CRM platform.
“The buyer was simply blown away by how attentive you were with their loan and keeping them up to date. They were hesitant based on their friends’ mortgage stories, but they loved the service at Cardinal.”
CONVENTIONAL
For people in search of a basic loan. Put down as little as 3% for fixed-rate loans.
FHA
For people seeking flexibility. Put down as little as 3.5%. Credit scores as low as 550 accepted.
JUMBOX
Larger-than-life financing. Put down as little as 10%. Credit scores as low as 660 accepted.
USDA
When your client wants a home in the country. 0% down payment. Credit scores as low as 580 accepted.
VA
For our veterans and active service members. No down payment required. No PMI.
EXPANDED (NON- QM)
Perfect for clients with less-than-perfect credit or those who need to use alternative income to qualify.
FHA 203(K)
Your clients can get a single loan
to finance both the purchase and
rehabilitation of their property.
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DU REFI PLUSTM
Allows limited cash-out refinances
with reduced underwriting and
documentation requirements.
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FANNIE MAE HOMEREADY®
Requires 3% buyer contribution on
multi-family units and a minimum
score of 620.
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FREE MAC HOME POSSIBLE®
Requires 0% buyer contribution on
multi-family units and a minimum
credit score of 620.
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DPA PROGRAMS
For your clients who may need a little extra help to make their dreams a reality.
Products
One-size-fits-all just isn’t the way to go with a home loan. Having this array of products at our disposal offers buyers better options based on their individual circumstances:​
“Being able to do business on the weekends is a big help. With weekend open houses, the seven day service really makes a difference.”
Technology
​Octane is a cutting-edge software exclusive to Cardinal Financial that allows for mortgage as it should be: QUICK AND EASY.
Octane automates repetitive tasks in the mortgage process for unmatched efficiency and offers a Borrower Dashboard that updates buyers every step of the way so they know the status at all times.
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Live Loan Updates
At every critical checkpoint, Octane sends a clear, concise, automated email to your client about what just happened and what’s going to happen next.
Less Babysitting
New business is always knocking. Here at Cardinal, we have access to Octane through the weekends and can lock your loans seven days a week. So when that open house goes well, we’re able to lock your loan on the spot.
Piecemeal Conditions
Send docs as you and your client complete them. No need to send in batches. Octane accepts piecemeal conditions.
Quick Turn Times
It’s no secret that we prefer a smooth and speedy loan process. At Cardinal, we prioritize getting your clients home as soon as possible and without any hiccups along the way.
No Days Off
More getting back to what you do best. Build and foster more client relationships and take on more business with the time Octane saves you.
See For Yourself
“I had a buyer with complicated financial needs and I’ve never seen anything like what Cardinal was willing to do for them. They went through all the options and got the buyer a loan when a lot of other companies wouldn’t have been able.”
CRM & Marketing Support with Total Expert
Total Expert’s powerful Customer Relationship Management tools make it easy to create marketing assets and build strong relationships with current clients and potential leads. Automated processes, co-branding capabilities and a library of pre-built collateral and messaging to engage with buyers on a deeper level.
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People
We’re more than just a mortgage lender, we’re a team of guides ready to support your clients every step of the way. Caring, responsive and ready to blow them away with responsiveness.
SELL MORE HOMES
At the end of the day, what this means is: we can help you sell more homes. But how?
REFERRALS
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82% of real estate sales come
from previous clients, referrals, friends, family and contacts.
PROVEN
Agents want strong leads from their lending partners, but 79% report not receiving enough leads from lending partners. With Cardinal, that won’t be the case.
FAST, YET THOROUGH PREQUALIFICATION
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Speed can be the difference between making a sale and missing out on an offer to a faster buyer. Getting a buyer prequalified, preapproved and funded to close can be stressful, and our loan originators recognize the importance of keeping an eye on the clock.
WORKING
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We pre-underwrite borrowers and get the income calculation, credit qualification and asset validation out of the way, giving your clients the opportunity to jump to the front of the line.
