Cat Totty - Cardinal Financial - NMLS 919528

Cat Totty - Cardinal Financial - NMLS 919528 Cardinal Financial NMLS 66247
Equal Housing Opportunity
www.nmlsconsumeraccess.org

Cardinal Financial Company, Limited Partnership NMLS 66247
Equal Housing Opportunity
Loan Originator
For licensing information, go to: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/66247
Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act

05/26/2026

POV: You were already pre-approved when your dream home hit the market 🔥

Offer submitted.
Seller confident.
Deal accepted.

Preparation wins in this market.

Ready to be the buyer sellers say yes to?

Today we honor those who gave everything. 🇺🇸
05/25/2026

Today we honor those who gave everything. 🇺🇸

Want a homebuying game plan that doesn’t change every time rates do?Here are a few ways to keep your home search focused...
05/21/2026

Want a homebuying game plan that doesn’t change every time rates do?

Here are a few ways to keep your home search focused:

✔️ Lock when the timing fits your plan
✔️ Shop the monthly payment (not just price)
✔️ Explore down payment options
✔️ Get your budget number upfront

A clear plan now can make the whole process feel easier.

05/20/2026

Thinking about buying your first home? Here’s what actually happens when you get started. No surprises.

We talk through your goals and review your full financial picture. Then we match you with the right loan and give you real numbers, not estimates.

Ready or just exploring, you stay in control the whole way.

You shouldn't have to wonder what's happening with your loan.At Cardinal, 'no mystery' isn't a slogan — it's how the pro...
05/19/2026

You shouldn't have to wonder what's happening with your loan.

At Cardinal, 'no mystery' isn't a slogan — it's how the process actually works:
✓ You'll know your real numbers from the first conversation
✓ You'll know what documents are needed and why
✓ You'll know where your loan stands at every step
✓ You'll know the timeline

Because the worst part of buying a home shouldn't be the not knowing.

From the first conversation to closing day: no surprises. No mayhem. Just a plan that worked.The VA loan made it possibl...
05/18/2026

From the first conversation to closing day: no surprises. No mayhem. Just a plan that worked.

The VA loan made it possible. Zero down, no PMI.

If you’re a veteran thinking about buying, I’d love to help you get started.

You shouldn’t have to wonder what’s happening with your loan.At Cardinal, ‘no mystery’ isn’t a slogan. It’s how the proc...
05/16/2026

You shouldn’t have to wonder what’s happening with your loan.

At Cardinal, ‘no mystery’ isn’t a slogan. It’s how the process actually works:

✓ Real numbers from the first conversation
✓ You know what documents are needed and why
✓ You know where your loan stands at every step
✓ You know the timeline, and we’ll hit it

Because the worst part of buying a home shouldn’t be the not knowing.

Spring buying season is in full swing. Here are the 3 mistakes we see every year:1. Shopping for homes before getting pr...
05/14/2026

Spring buying season is in full swing. Here are the 3 mistakes we see every year:

1. Shopping for homes before getting pre-approved → You fall in love, then find out you don't qualify
2. Only looking at the monthly payment → Closing costs, insurance, and taxes add up
3. Waiting for the 'perfect' rate → There's no crystal ball. The right rate is the one that works for your budget.

Don't be the buyer who learns these the hard way.

Talk to an LO first.

A strong culture makes it easier to deliver for the people who trust you.Proud to be part of Cardinal FinancialÂŽ as we e...
05/13/2026

A strong culture makes it easier to deliver for the people who trust you.

Proud to be part of Cardinal FinancialÂŽ as we earn Great Place to WorkÂŽ Certification for the 5th year in a row. When teams have clarity and support, the experience shows up in every loan.

May is Military Appreciation Month. As a Loan Originator, I want to make sure every veteran and active-duty service memb...
05/12/2026

May is Military Appreciation Month. As a Loan Originator, I want to make sure every veteran and active-duty service member knows what the VA loan can do.

Zero down payment. No monthly mortgage insurance. Competitive rates. And it’s not a one-time benefit. You may be able to use it again.

If you’ve served, this benefit was earned. I’d love to help you use it.

DM me or comment below with any questions.

Address

3701 Arco Corporate Drive Suite 200
Charlotte, NC
28273

Website

http://www.cardinalfinancial.com/nmls-licensing, https://c

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