Cat Totty - Cardinal Financial - NMLS 919528

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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

July is peak buying season, and as a Loan Originator, this is one of my favorite times of year.Helping someone get to th...
07/14/2026

July is peak buying season, and as a Loan Originator, this is one of my favorite times of year.

Helping someone get to the closing table in the summer heat: that is the job. And I love it.

If you have been thinking about buying a home or want to know where you stand, I am here. DM me or drop a comment.

Your home has been building equity. That equity does not have to just sit there.I talk to homeowners all the time who ha...
07/08/2026

Your home has been building equity. That equity does not have to just sit there.

I talk to homeowners all the time who have been putting off a trip, a big purchase, or just a financial reset — and they do not realize their home could make it possible.

A cash-out refinance gives you access to what you have earned, at a rate that is typically far lower than a credit card or personal loan.

If you have been thinking about it, let us have a quick conversation. No pressure. Just the numbers.

*Using your home equity to pay off debts or make other purchases does not eliminate the debt or the cost of the purchases, but rather increases the loan amount of your mortgage to be paid according to your new mortgage terms.

What mortgage word sounds confusing or scary to you? It might be the next Scary Mortgage Word of the Week! 😱
06/30/2026

What mortgage word sounds confusing or scary to you?

It might be the next Scary Mortgage Word of the Week! 😱

Four communities, four agents, one builder in one day. One of the best part of my jobs is meeting real estate and sal...
06/19/2026

Four communities, four agents, one builder in one day. One of the best part of my jobs is meeting real estate and sales agents that want to know more about financing options for their clients, and also teach me about their communities, homes, and the area (hello, I have to know where the local coffee shops are!). Their clients are lucky to have them as local and home resources!

06/15/2026

The best first step isn't finding a house. It's getting prepared.

Before you start scrolling listings, take a few minutes to understand your credit, budget, and financing options. A little planning now can help you shop with more confidence later.

When you're ready, get pre-approved with real numbers, not estimates.

Have you heard this term before? If you want help understanding it, send me a message anytime. 💪📩🤩
06/12/2026

Have you heard this term before? If you want help understanding it, send me a message anytime. 💪📩🤩

06/12/2026

The right home might need updates. That doesn’t mean you need separate financing.

Renovation loans can combine the purchase price and improvement costs into one loan, based on the home’s after-renovation value. Whether you're buying or refinancing, there may be options that fit your goals.

Address

3701 Arco Corporate Drive Suite 200
Charlotte, NC
28273

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