CF Wholesale

CF Wholesale For Licensing info, visit: https://www.cfwholesale.com/licensing/
Equal Housing Opportunity

Cardinal Financial Wholesale gives brokers the edge with tech, consistency, and a team that delivers. Fast approvals with Octane® and high-touch support help brokers win more business and build borrower trust.

A strong borrower doesn’t always fit inside conventional documentation rules. Non-QM financing can help brokers serve se...
09/03/2026

A strong borrower doesn’t always fit inside conventional documentation rules. Non-QM financing can help brokers serve self-employed buyers, real estate investors and high-net-worth clients using alternative income verification. More flexibility means more ways to keep a workable scenario moving.

See why Non-QM belongs in your toolkit.

08/11/2026

Every hour spent chasing paperwork on a file is an hour not spent growing your business.

Cardinal Complete™ handles the loan processing end to end, submission to close, so complex files move without adding to your workload.

Real-time visibility, so you stay in the loop without doing the legwork.

July is a peak month for military PCS relocations. Active duty families and veterans are buying and refinancing across t...
07/28/2026

July is a peak month for military PCS relocations. Active duty families and veterans are buying and refinancing across the country right now — and VA loans are their fastest path.

Cardinal Financial Wholesale VA programs cover both directions:

VA Purchase: 0% down, no PMI, minimum FICO 550, up to $2,000,000 with qualifying credit
VA IRRRL: No appraisal required on most transactions, rate reduction required, fast turnaround

If VA lending is part of your summer strategy, our team is ready to move on files.

Send us a scenario.

Heading into the second half of the year, some partners are asking a different question: What does growth look like on m...
07/21/2026

Heading into the second half of the year, some partners are asking a different question: What does growth look like on my terms?

Non-Delegated Correspondent is built for lenders who want more control over their brand and margins — without the cost of building out their own operations.

You originate in your name: Brand, borrower relationship, and loan identity stay with you throughout.
Cardinal Financial Wholesale handles underwriting, pricing, and back-end ex*****on.
Real-time file visibility through Octane® the whole way through.

Growing production without growing headcount. That is the whole point of this model.

If you are evaluating your next step, let's talk.

For self-employed borrowers who have been waiting for the right moment to move forward — the window is open right now.Ca...
07/15/2026

For self-employed borrowers who have been waiting for the right moment to move forward — the window is open right now.

Cardinal Financial Wholesale Non-QM is built for this borrower:

12 or 24 months of bank statements accepted — personal or business
Loan amounts up to $2,500,000
Income calculated in Octane® — faster analysis, fewer conditions

For borrowers with 680+ FICO, Non-QM Prime Plus goes up to $3,000,000.

If you have a self-employed client who could not qualify before, send us the scenario.

For buyers who cannot find the right home at their price point, the answer is often already sitting on the market — wait...
07/08/2026

For buyers who cannot find the right home at their price point, the answer is often already sitting on the market — waiting for someone willing to see past what it looks like today.

Cardinal Financial Wholesale renovation programs let borrowers purchase and improve in a single loan, based on the as-completed value of the property:

Fannie Mae HomeStyle®: Conventional pricing, up to 97% LTV
Freddie Mac CHOICEReno eXPress®: Streamlined for smaller projects, up to 95% LTV
EasyPath®: No contractor to hire — Cardinal pays major retailers directly

In-house construction and draw management. Full file visibility through Octane®.

The homes that need a little work are sitting on the market right now at the right price. Connect with your Account Executive to learn more

07/04/2026

Wishing you and yours a safe and happy Fourth of July.

From the Cardinal Financial team.

If you have FHA buyers who couldn't qualify before, now is the time to take another look. Cardinal Elite just got more a...
07/02/2026

If you have FHA buyers who couldn't qualify before, now is the time to take another look. Cardinal Elite just got more accessible.

FICO minimum dropped to 640. That means more of the buyers in your pipeline have a real path right now.

Cardinal Elite pairs an FHA mortgage with up to 5% in-house down payment assistance:

No AMI limits. No homebuyer education requirement. Up to 6% seller concessions.

Summer is here. Send us a scenario.

Loan docs delivered within minutes of clear to close.That’s what Smart Closing means at Cardinal Financial Wholesale. No...
06/30/2026

Loan docs delivered within minutes of clear to close.

That’s what Smart Closing means at Cardinal Financial Wholesale. No waiting. No manual back and forth. Integrated wire requests and end-to-end document automation through Octane®.

Connect with Your Account Executive.

Looking for more control without the overhead?Cardinal Financial’s non-delegated correspondent channel gives you:- Built...
06/23/2026

Looking for more control without the overhead?

Cardinal Financial’s non-delegated correspondent channel gives you:

- Built-in processing support that flags potential issues in real time
- True Transparency: see where your loan stands at every step
- Automated Margin Management built into the pricing engine
- End-to-End Document Automation via Octane®

You’re in the driver’s seat

Your brand. Your relationship. Cardinal handles the rest.

Connect with Your AE

Address

3530 Toringdon Way, Ste. 200
Charlotte, NC
28277

Opening Hours

Monday 9am - 5pm
Tuesday 8am - 5pm
Wednesday 9am - 5pm
Thursday 8am - 5pm
Friday 9am - 5pm

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