**Loan Programs:**

1. Conventional Loan: A traditional mortgage option that follows the guidelines set by Fannie Mae and Freddie Mac.

2. FHA Loan: Backed by the Federal Housing Administration, this program offers flexible credit requirements and a low down payment option.

3. USDA Loan: Designed for rural homebuyers, this program offers financing with zero down payment and competitive interest rates.

4. VA Loan: Exclusively available to eligible veterans, active-duty service members, and surviving spouses, this program provides favorable terms and no down payment requirement.

5. Jumbo Loan: Ideal for purchasing high-value homes, this program offers financing exceeding conventional loan limits.

6. Renovation & Construction Loan: Designed for home improvement projects or building new homes, this program provides funds combining the purchase or refinance amount with renovation costs.

7. Condo Loan: Tailored for those looking to purchase a condominium, this program offers specific financing options suitable for this type of property.

8. Unique Home Loan: Provides financing for non-traditional or unique properties, such as log cabins, modular homes, or off-grid residences.

9. Disaster Relief Loan: Assists individuals affected by natural disasters, offering financing options to rebuild or repair damaged homes.

10. Down Payment Assistance: Provides financial aid to eligible homebuyers to assist with down payment and closing costs.

11. One-Time Close Loan: Offers a streamlined process for construction loans, combining building costs and permanent financing into a single loan.

12. Cardinal Special Purpose Credit Program: A specialized loan program catering to unique financial situations, offering customized solutions.

Please note: For further details on each loan program and to determine eligibility, please reach out to our Customer Service team at 855-416-8962.