Christine Frost - Cardinal Financial Company

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Christine Frost - NMLS 2035033
Cardinal Financial Company, Limited Partnership - NMLS 66247
Licensed in California, Texas & Colorado
Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act Cardinal Financial Company, Limited Partnership NMLS 66247

Christine Frost NMLS 2035033

Loan Originator

Equal Housing Opportunity

For licensing information, go to: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/66247

Licenses: www.cardinalfinancial.com/nmls-licensing

Corporate Phone: 855-561-4944

10/09/2026

😂 The Missing Pay Stub — Search & Rescue

🚨 SEARCH AND RESCUE HAS BEEN ACTIVATED. 🚨

“We still need your April pay stub.”

“I KNOW I sent that!”

And suddenly there are helicopters, searchlights, search dogs and an entire emergency response team looking for one missing document. 😂

Then they find it…

“This is March.”

If you’ve ever been through the mortgage process, you know one missing document can suddenly feel like a matter of national importance. 🏡😂



Cardinal Financial Company, LP | NMLS 66247 | Equal Housing Opportunity

This material has been prepared for marketing purposes only. This is not a loan commitment or guarantee of any kind. Loan approval and rate are dependent upon borrower credit, collateral, financial history, and program availability at the time of origination. Rates and terms are subject to change without notice. Corporate Address: 3530 Toringdon Way, Suite 200, Charlotte, North Carolina 28277. Cardinal Financial Company, Limited Partnership, NMLS ID 66247. For licensing information, go to www.nmlsconsumeraccess.org. Additional licensing information can be found at: https://cardinalfinancial.com/nmls-licensing/.

10/06/2026

🎰 The Mortgage FICO Reveal — Game Show

“It’s time to reveal her MORTGAGE FICO SCORE!” 🎤

Suddenly there are spotlights, dramatic music and an entire studio audience chanting:

“FICO! FICO! FICO!” 😂

Meanwhile, the homebuyer:

“WAIT! I’M NOT READY!”

And one person in the audience finally says what everyone is thinking…

“MA’AM, WE ALL WANT TO SEE IT!” 🤣

Getting your credit pulled for a mortgage may not actually come with a live studio audience…but sometimes it sure feels like it should.



Cardinal Financial Company, LP | NMLS 66247 | Equal Housing Opportunity

This material has been prepared for marketing purposes only. This is not a loan commitment or guarantee of any kind. Loan approval and rate are dependent upon borrower credit, collateral, financial history, and program availability at the time of origination. Rates and terms are subject to change without notice. Corporate Address: 3530 Toringdon Way, Suite 200, Charlotte, North Carolina 28277. Cardinal Financial Company, Limited Partnership, NMLS ID 66247. For licensing information, go to www.nmlsconsumeraccess.org. Additional licensing information can be found at: https://cardinalfinancial.com/nmls-licensing/.

10/05/2026

🐶🔑 Dad Kept His Promise

“Dad… can we get a puppy someday?” 🥹

“When we have our own home. I promise.”

Then comes moving day…

A new front door. 🔑
A new bedroom. 🏡
The sound of tiny paws coming down the hallway…

And one dad who never forgot his promise. 🐶❤️

Sometimes the dream of homeownership isn’t about the house itself.

It’s about the memories you’ve been waiting to make once you get there. ❤️🏡🐾

And yes… if someone surprised me with that little face, I’d be crying too. 😭😂



Cardinal Financial Company, LP | NMLS 66247 | Equal Housing Opportunity

VIDEO DISCLOSURE:
This material has been prepared for marketing purposes only. This is not a loan commitment or guarantee of any kind. Loan approval and rate are dependent upon borrower credit, collateral, financial history, and program availability at the time of origination. Rates and terms are subject to change without notice. Corporate Address: 3530 Toringdon Way, Suite 200, Charlotte, North Carolina 28277. Cardinal Financial Company, Limited Partnership, [d.b.a. COMPANY NAME if applicable] NMLS ID 66247. For licensing information, go to www.nmlsconsumeraccess.org. Additional licensing information can be found at: https://cardinalfinancial.com/nmls-licensing/.

10/02/2026

WE BOUGHT A HOUSE!!! 🏡🔑🎉

The keys. The happy tears. The first walk through the front door. That incredible “WE DID IT!” moment…

Then you check the bank account. 👀

“We’re eating ramen.”

“For how long?”

“DON’T ASK QUESTIONS.” 🍜😂

Moving into a new home has a funny way of making that first dinner on the living-room floor feel like a five-star meal anyway.

And honestly? The ramen-cup toast makes it official. 🏡❤️😂



Cardinal Financial Company, LP | NMLS 66247 | Equal Housing Opportunity

VIDEO DISCLAIMER:
This material has been prepared for marketing purposes only. This is not a loan commitment or guarantee of any kind. Loan approval and rate are dependent upon borrower credit, collateral, financial history, and program availability at the time of origination. Rates and terms are subject to change without notice. Corporate Address: 3530 Toringdon Way, Suite 200, Charlotte, North Carolina 28277. Cardinal Financial Company, Limited Partnership, [d.b.a. COMPANY NAME if applicable] NMLS ID 66247. For licensing information, go to www.nmlsconsumeraccess.org. Additional licensing information can be found at: https://cardinalfinancial.com/nmls-licensing/.

10/01/2026

Buyer: “So… what would my monthly payment be?”

Mortgage world: “Well, let’s talk about principal, interest, property taxes, homeowners insurance, possibly mortgage insurance, HOA…” 🧮📄🧵😂

Buyer: “I JUST WANTED ONE NUMBER.”

If you’ve ever wondered why answering that seemingly simple question can require a few more details, this is why. Your estimated total monthly housing payment can have several different components.

No conspiracy board required. We’ll help you sort through it. 😂🏡



Cardinal Financial Company, LP | NMLS 66247 | Equal Housing Opportunity

VIDEO DISCLAIMER:
This material has been prepared for marketing purposes only. This is not a loan commitment or guarantee of any kind. Loan approval and rate are dependent upon borrower credit, collateral, financial history, and program availability at the time of origination. Rates and terms are subject to change without notice. Corporate Address: 3530 Toringdon Way, Suite 200, Charlotte, North Carolina 28277. Cardinal Financial Company, Limited Partnership, [d.b.a. COMPANY NAME if applicable] NMLS ID 66247. For licensing information, go to www.nmlsconsumeraccess.org. Additional licensing information can be found at: https://cardinalfinancial.com/nmls-licensing/.

09/29/2026

Waiting for the appraisal like you’re waiting for someone to come through the hospital doors with life-changing news. 😰😂

Everyone: “WELL?!”

Appraiser: “It appraised.”

Everyone: 😭🙌🎉🥳

Appraiser: 😐

Okay, maybe it’s not QUITE this dramatic…but if you’ve been through the home-buying process, you know waiting for that report can certainly FEEL like it. 😂🏡

One more step in the journey toward closing!



Cardinal Financial Company, LP | NMLS 66247 | Equal Housing Opportunity

VIDEO DISCLAIMER:
This material has been prepared for marketing purposes only. This is not a loan commitment or guarantee of any kind. Loan approval and rate are dependent upon borrower credit, collateral, financial history, and program availability at the time of origination. Rates and terms are subject to change without notice. Corporate Address: 3530 Toringdon Way, Suite 200, Charlotte, North Carolina 28277. Cardinal Financial Company, Limited Partnership, [d.b.a. COMPANY NAME if applicable] NMLS ID 66247. For licensing information, go to www.nmlsconsumeraccess.org. Additional licensing information can be found at: https://cardinalfinancial.com/nmls-licensing/.

09/29/2026

The listing photos: ✨😍🏡✨

The actual showing: 😳😱🏃‍♀️💨

Nothing prepares you for walking into that gorgeous, bright, enormous kitchen you saw online and wondering…

“Is this even the SAME HOUSE?” 😂

And if something goes THUMP upstairs when nobody is supposed to be up there?

We’re moving on to the next showing. Immediately. 🤣

House hunting definitely keeps things interesting!



Cardinal Financial Company, LP | NMLS 66247 | Equal Housing Opportunity

VIDEO DISCLAIMER:
This material has been prepared for marketing purposes only. This is not a loan commitment or guarantee of any kind. Loan approval and rate are dependent upon borrower credit, collateral, financial history, and program availability at the time of origination. Rates and terms are subject to change without notice. Corporate Address: 3530 Toringdon Way, Suite 200, Charlotte, North Carolina 28277. Cardinal Financial Company, Limited Partnership, [d.b.a. COMPANY NAME if applicable] NMLS ID 66247. For licensing information, go to www.nmlsconsumeraccess.org. Additional licensing information can be found at: https://cardinalfinancial.com/nmls-licensing/.

09/25/2026

When your lender says, “We just need ONE more document…” 😂📄

Yesterday it was one more document.
Today it’s one more document.
Tomorrow? We don’t talk about tomorrow. 🤣

We promise—we’re not trying to see how many bank statements you can produce before you barricade yourself inside your house. Sometimes additional documentation really is needed to get your loan through the process.

And yes… we know exactly how “one more document” sounds at this point. 😂🏡



Cardinal Financial Company, LP | NMLS 66247 | Equal Housing Opportunity

VIDEO DISCLAIMER:
This material has been prepared for marketing purposes only. This is not a loan commitment or guarantee of any kind. Loan approval and rate are dependent upon borrower credit, collateral, financial history, and program availability at the time of origination. Rates and terms are subject to change without notice. Corporate Address: 3530 Toringdon Way, Suite 200, Charlotte, North Carolina 28277. Cardinal Financial Company, Limited Partnership, [d.b.a. COMPANY NAME if applicable] NMLS ID 66247. For licensing information, go to www.nmlsconsumeraccess.org. Additional licensing information can be found at: https://cardinalfinancial.com/nmls-licensing/.

09/24/2026

🏡 The dogs have reviewed the property… and they’ve made their decision.

Forget the big backyard. Forget the beautiful kitchen. Samson and Kira found the walk-in pantry, calculated the treat-storage potential, and officially approved the house. 😂🦴

Sometimes the most important members of the family have the simplest home-buying requirements. ❤️

Ready to find a home that gets the whole family’s approval? Let’s talk about your financing options.



Cardinal Financial Company, Limited Partnership | NMLS ID 66247 | Equal Housing Opportunity

Video Disclaimer:
This material has been prepared for marketing purposes only. This is not a loan commitment or guarantee of any kind. Loan approval and rate are dependent upon borrower credit, collateral, financial history, and program availability at the time of origination. Rates and terms are subject to change without notice. Corporate Address: 3530 Toringdon Way, Suite 200, Charlotte, North Carolina 28277. Cardinal Financial Company, Limited Partnership, NMLS ID 66247. For licensing information, visit NMLS Consumer Access.

Address

3530 Torington Way, Suite 200
Charlotte, NC
28277

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