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Apply for a First Mortgage

Let our Mortgage Team show you how we can save you money.


First Mortgage

Count on Cardinal for all your home loan needs. We offer a wide range of mortgage loan options including:

  • Conventional fixed-rate loans
  • Adjustable-Rate Loans (ARMs)
  • FHA
  • VA (Veterans Administration)
  • Second Home Loans
  • Investment Home Loans
  • Pick your term option
  • Pre-approvals

Five reasons to feel at home with a Cardinal mortgage.

Lower mortgage rates than a bank

Cardinal Credit Union is a not-for-profit. We exist solely to serve our members, not to maximize corporate profits.

Helping you qualify for a better rate

Your Cardinal loan officer will help you understand your credit score and offer ways to help you improve it so you can qualify for an even lower interest rate on your Cardinal mortgage.

A monthly payment that fits your budget

Affording a mortgage often comes down to your monthly payment. Cardinal will work with you to design a payment plan that best fits your budget. Our job is to make the mortgage process simpler to understand, and easier to afford.

Your mortgage stays with us.

Cardinal does not “sell off” your mortgage to another financial institution. It remains with us for the life of the loan — with people who care, have your best interest in mind, and remain available should questions or needs, arise.

Already have a mortgage? Ask for a FREE checkup.

Our mortgage professionals can quickly analyze your current mortgage and make recommendations on refinancing that can save you money. Find out how much Cardinal can reduce your interest rate and monthly payment. We can also talk about shortening the term on your loan by several years.

First-Time Home Buyer’s Program

Cardinal Credit Union offers this unique program to make home buying affordable. Look at these features:

  • Requires a minimum of 3% down payment, however the down payment can be a gift.
  • Financial counseling is also available
  • We take pride in helping first-time homebuyers through the process

Please contact our Mortgage Department at 440-266-2200 to learn more about our First-Time Home Buyer’s Program.

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