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

Smart Questions Live Reference Sheet

Current Smart Questions inventory and questions we are actively working on. This reference evolves as new questions are added.

Adding Credit Service Provider Credentials

Approved Credit Reporting Agencies

Training

Octane | QuickStart Video

Octane Broker Quick Setup

Octane Cheat Sheet - Inside a Loan

Octane | Smart Appraisal

Octane Smart Pipeline Training | Wholesale

Octane Taskbar Training | Wholesale

Please access the Octane Underwriting Training Video Series | Module Inventory.
The inventory list will provide a link for each module along with a short description of each.

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

Smart Debt Monitoring Spark 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.

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

Non-Delegated Correspondent Selling Guide

Product Snapshots

Third Party Origination Snapshots

The product snapshots provide information about the loan programs offered by Cardinal Financial.

Community Lending Resources

  • Handling Community Lending Programs and Products

    • Procedures

    Third Party Origination Appraisal Dispute Form

    Registering Loans with the Illinois Anti-Predatory Lending Database

    CFW | Registering Loans in Octane

    Resource | How to Export the Final Compliance Package from Octane

    CFW | CD Process

    Handling the Homeowner's Association (HOA) Documents

    CEMA Worksheet

    Obtaining Prior Approval on VA Loans

    Assisting with Borrower Dashboard

    Checklists for HOA Certification

    HOA and Co-op Board Questionnaires

    Construction & Renovation

    Non-QM

    Additional