Mortgage partners
Pre-approval in 24 hours
Cardinal partners with three preferred lenders. Pre-approval is fast, the rates are competitive, and your loan officer is part of your buyer team.
Our partners
Three lenders, vetted
Cascade Mortgage
Conventional, FHA, VA, jumbo. Fastest pre-approval in our partner stack — often same-day.
Pacific Rate Lending
Strong on jumbos and second-home financing. Competitive on relationship-priced rates for portfolio clients.
Northwest Credit Union (mortgage division)
Excellent for first-time buyers and FHA. Member-pricing benefits.
What's included
The integrated experience
Pre-approval in 24 hours
Most buyers have a verified pre-approval letter within one business day.
Coordinated with your agent
Your loan officer talks to your Cardinal agent directly. No game-of-telephone.
Locked rates
Once you have an accepted offer, rate-lock options up to 90 days.
Closing in 28 days
Average closing time across our partner lenders.
Refi-friendly
Two free rate-monitor years post-closing. We’ll alert you if a refi makes sense.
Common questions
About using a Cardinal mortgage partner
- No — they’re vetted independent partners. Cardinal doesn’t make money on the mortgage; we just have a strong working relationship and integrated communication.