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Mortgage Pro On Call - 440.266.2279 - 440.749.2979 - dmcgarry@cardinalcu.com


CardinalCU Red Mortgage Key

Home Loan Highlights

  • Home Mortgages –Conventional, FHA and VA
  • 3% Down-First Time Buyer Programs
  • Family gift may be 100% of the down payment
  • Free Same-Day Pre-Approval
  • Free Escrow Waiver (80% LTV and Under)
  • Free Financial Counseling
  • Flexible Terms (10-30 years)
  • Common Sense Portfolio Lending for clients with challenges
  • Construction Lending
  • Jumbo Lending

 

I just wanted to take a few moments to send my thanks for an excellent loan experience with your Loan Officer, Dan McGarry.  This is my first time working with Dan. He had his hands full with my client, as well as got the contract two weeks after it was written. He handled a tough buyer and communicated so efficiently, which we all know is so important in this business. It is refreshing to find someone with this work ethic, and I very much look forward to doing business with him in the future. I will be adding him to my preferred lenders list with The Crocket Team. Please send my thanks for a job well done.

 Warm regards,

Monique K.
Real Estate Specialist / Realtor

 

Type of LoanLTVRateAPR
10 Year First Mortgage* 3.100%3.331%
15 Year First Mortgage* 3.125%3.284%
20 Year First Mortgage** 3.625%3.796%
30 Year First Mortgage** 3.825%3.949%
1/1 ARM (Non-Convertible)** N/AN/A
3/1 ARM (Non-Convertible)** N/AN/A
5/1 ARM (Non-Convertible)** N/AN/A
7/1 ARM (Non-Convertible)** N/AN/A
10/1 ARM (Non-Convertible)** N/AN/A
Home Equity Line-of-Credit/Variable Ratemax 85% LTV-
Prime minus .26%
5.240%5.240%
Home Equity Loan/Fixed Rate
max 80% LTV  
60 Months ask for details
120 Months ask for details
180 Months ask for details

APR = Annual Percentage Rate.
*APR examples based on: A loan amount of $100,000.00 with average fees of $1,095.00 (other fees may apply).
**APR examples based on: A loan amount of $100,000.00 with average fees of $1,495.00 (other fees may apply).

Second Mortgage APR examples based on: A loan amount of $100,000.00 with average fees of $250.00 (other fees may apply).

Home Equity Line of Credit rates are subject to change. Variable APR is based on The Wall Street Journal (WSJ) prime rate.
No annual fee.

Rates and Terms subject to change without notice. Other interest rates and terms may apply. Interest rates offered may depend on credit history and certain minimum credit scoring qualifications. This listing is not an offer of credit. Business transacted at Cardinal Credit Union is governed by the laws of the State of Ohio.
For the Home Equity Line of Credit, the rate is PRIME minus .26%. Rates and Terms subject to change without notice.

Dan McGarry

Dan McGarry certificate of recognition for outstanding sales and service

Dan’s career in banking spans over 17 years. He has been integral in the companies he has worked with in growing sales, optimizing production, and overachieving at meeting client goals. He has been a teacher, trainer, manager, director and leader of many during his career. He attributes his success to his work ethic, his integrity and working with and respecting the extraordinary individual that he has had the pleasure of working with, as well as those currently on his Cardinal team.

Dan’s approach is focused on creating a financial plan that enabled his clients to not only consolidate their debts and save money on a regular basis, but give them the quality of life and financial freedom that everyone is searching to achieve.

Full First / Last Name

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Equal Housing Lender logoAnyone can join for $5. Cardinal Credit Union membership is open to anyone who lives, works, worships, or attends school in Lake, Geauga, Cuyahoga, Ashtabula, Portage, Summit, Mahoning, Trumbull, or Columbiana counties. Rates and terms subject to change without notice. Other interest rates and terms may apply. Interest rate offered may depend on certain minimum credit scoring qualification. Business transacted at Cardinal Credit Union is governed by the laws of the State of Ohio.

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