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Financing Your Dream Home

Approved Lender

Prosperity’s homebuyers can trust Cardinal Financial to provide a personal guide in your homebuying journey. Cardinal’s experienced team will help you find the best financing solution that meet your specific needs. Whether you’re interested in getting pre-qualified or you’ve already chosen your home, Cardinal’s Loan Partner will be there with you every step of the way. Simply contact Cardinal’s representative and we’ll help you get the process started.

About Cardinal Financial

We make your mortgage simple and quick, whether you handle it online, in person or over the phone, our Loan Partners are here to help you enjoy a pleasant mortgage experience AND we stand behind our 100% on-time closing guarantee.

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Why Choose Us?

If you’re looking for experience, integrity and comprehensive knowledge of the industry, Cardinal holds the keys to your mortgage loan. We offer a streamlined mortgage process and we will always go the extra mile to find the solution tailored to meet your specific lending needs. Why choose Cardinal?

  • We’re in this together, servicing our loans for your convenience and peace of mind
  • We provide secure online prequalification and convenient funding options
  • Our In-house Processors and Underwriters are located here in Texas
  • Time-saving, proprietary technology delivers FAST clear to close
  • No surprises, we Pre-Fund our loans the day before closing

Starting the Application Process

DO’s & DONT’s During the Mortgage Process

Calculate Your Mortgage

The Application Process just got a whole lot easier! Cardinal doesn’t have the extra over-lay documents that so many mortgage companies have you fill out, making the Cardinal Way quick and easy. We’ll get you Pre-Qualified within 24 hours after receiving all your documents. Discover how simple it is to start your loan.

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Getting a Jump Start

Submitting the following documents will help you to move through the mortgage process quickly. Below is a list of documents that will be required so start now by uploading the documents or you can email them to us. You’ll find the email address below.

For each person on the loan include:
  • 2 most recent Bank Statements of all accounts
  • 2 most recent Pay Stubs
  • 2020 & 2021 W-2s
  • Driver’s License photo
If Self-employed, please include:
  • 3 most recent Bank Statements (business & personal)
  • 2020 & 2021 Tax Returns
  • Driver’s License photo


David Burciaga @ Cardinal Financial
NMLS # 2072398

During the mortgage approval process, there are things that you need to know and be diligent about as your loan is being processed.

Your mortgage pre-approval is based on many factors including your credit score, current debts, income and even household size for some loan types. The last thing anyone wants is for your dream to fall apart because of a simple misstep.

Read More… Stay in touch with your Loan Partner throughout the process of getting your loan and ask them before doing anything that could potentially affect your loan. Here are some simple Dos & Don’ts to watch out for during this time.

  • Do continue making timely rent and credit card payments
  • Do stay current on all your existing credit cards and other accounts
  • Do keep working at your current employer
  • Do keep the same insurance company
  • Do continue using and paying your credit cards on time
  • Do call your lender if you have questions or want to change your finances in any way
  • Don’t pay off loans or credit cards without checking with your Cardinal Loan Partner first
  • Don’t transfer credit card balances or consolidate debt or credit cards
  • Don’t make any major purchases (car, furniture, big appliances, etc.)
  • Don’t apply for new credit or open a new credit card account
  • Don’t pay charge offs or any collections
  • Don’t close any credit card accounts
  • Don’t increase your credit card debt
  • Don’t open any new accounts
  • Don’t change bank accounts
  • Don’t take out a new loan

When searching for a new home it’s important to set a budget and find a mortgage that will fit into your financial comfort-zone. We’ve provided a Mortgage Calculator to help you achieve those financial goals.

Read More… Simply put in the requested information below and hit … Calculate