Resources
Connections
Mortgage clause and fees, websites and phone numbers, leadership contact information, and more quick-reference facts to help you when you need support.
Broker Guide | Cardinal Complete™
Your go-to guide for how to process Cardinal Complete™ transactions.
Cardinal Complete™ Acknowledgement Notice
By selecting the "Cardinal Complete" option, brokers acknowledge and agree to the program’s terms, responsibilities, and service level requirements.
Recast-Flyer
Need to recast a Cardinal-serviced loan? Here are the basic, general requirements to recast a loan and submit your request.
Broker FAQs
Adding Credit Service Provider Credentials
Approved Credit Reporting Agencies
Training
Octane | QuickStart Video
Octane | Smart Appraisal
Octane Smart Pipeline Training | Wholesale
Octane Taskbar Training | Wholesale
Cardinal Non-QM Flex Prime & Prime Plus | Training Video
NEW Cardinal Elite National Homebuyer Assistance | Wholesale Training Video
Cardinal Non-QM Investor Solutions DSCR | Training Video
Self-Service Forms
Self-service is the best service! Updating your information is easier than ever thanks to these self-service forms. Simply complete the form you need and our Broker Support team will process your request.
- Broker Solutions Scenario Request Form
- Request for New User
- Request for New Branch
- Request for Role Update
- Request for Contract Processor
- Request to Change Company Lender Paid Comp Plan
- Company Margin Configuration Update (Correspondent)
- Business Name / Address Change
- Add Broker as USDA Lender Agent
- Request for VA Sponsorship
- Add Branch to IP Whitelist
Guidelines
Lending Guide
Your go-to guide for how to do business with Cardinal Financial.
GSE & Government Guidelines
Matrices
Third Party Origination Overlay Matrix
Your high level summary of Cardinal exclusions.
Student Loan Repayment Calculation Matrix
Rental Income Matrix
Policies
Third Party Origination Lock Policy
The essential guide for locking loans in Octane with Cardinal Financial Wholesale.
Compliance Natural Disaster Operations Policy
Handling a Freddie Mac BorrowerSmart Loan Procedure
Loan Loss Policy
Correspondent Lock Policy
Product Snapshots
Third Party Origination Snapshots
The product snapshots provide information about the loan programs offered by Cardinal Financial.
Community Lending Resources
Procedures
Third Party Origination Appraisal Dispute Form
Registering Loans with the Illinois Anti-Predatory Lending Database
CFW | Registering Loans in Octane
CFW | CD Process
Handling the Homeowner's Association (HOA) Documents
CEMA Worksheet
Obtaining Prior Approval on VA Loans
Checklists for HOA Certification
HOA and Co-op Board Questionnaires
- Conventional HOA Condo Full Review
- Conventional HOA Condo Limited Review
- Conventional HOA Litigation Questionnaire
- Conventional Cooperative Questionnaire
- Conventional Deferred Maintenance and Special Assessment Addendum
- HUD-9992 FHA HOA Questionnaire (for HRAP Submissions)
- HUD-9991 HOA Questionnaire (for either Loan Level or Single Unit Approval - SUA)
Construction & Renovation
- Freddie Mac CHOICERenovation Training
- Renovation Contractor Questionnaire
- 30-day Renovation Closing Calendar
- Conventional Renovation Maximum Mortgage Calculator
- Hud.gov - 203k Calculator
- Contractor Bid Template (Excel)
- Acceptable Bid Sample
- Acceptable Bid Sample - Pool
- Minimum Property Standards
- W9
Non-QM
- Cardinal Non-QM Flex | Bank Statement Calculator
- Third-Party Origination Procedure for Structuring Loans for DSCR Products