The Card Team

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We are committed to finding the right solution for your individual home financing needs. NMLS 235218

We strive to create lasting relationships with mutual trust, with our clients. We customize loans to fit our clients' needs, for both purchase loans and refinances. These include conventional, jumbo, FHA, VA, and Reverse home loans. As a mortgage banker, we handle everything in-house with a team that has been working together for over 18 years. Our recent merger with American Pacific Mortgage (APM) has provided even more loan programs for those loans that are "outside the box." These include Bridge loans, Keys on Time guarantees, bank statement loans, no-or low-down payments, and Alternative financing. We specialize in self-employed and high-asset clients with complicated finances but also love working with first-timers. It is always our goal to provide up-front education to our clients, to explain the loan pricing and underwriting process, and to enable a smooth transition through closing. Karen Card
Senior Loan Officer
NMLS 235218

Katie Card Neidermire
Loan Officer
NMLS 1714204

Stephanie Berry
Loan Officer and Assistant
NMLS 2001945

Licensed by the Dept of Financial Protection and Innovation under the CRMLA
AZ Corp BK 0906702
Licensed in CA, AZ

10/09/2026

Want to tap some equity to buy another property?

10/05/2026

09/04/2026

DON'T JUST NEGOTIATE THE PRICE. NEGOTIATE THE PAYMENT.

Let's say the seller is willing to negotiate another $10,000.

Should you:
*Reduce the purchase price?
*Ask for allowable closing-cost assistance?
*Use the seller credit toward an interest-rate buydown?
*Preserve more cash?

The answer depends on the buyer.

Before automatically negotiating another $10,000 off the price, let's calculate where those dollars could provide the greatest benefit.

Price matters. But so do monthly payment and cash to close.

Call me before you write the counteroffer. Let's run the numbers and structure the offer strategically.

Karen Card | The Card Team
📞 714-290-6940
Serving California
www.card-team.com

The Card Team has a combined experience of over 35 years in the residential mortgage industry. As a team, they're able to provide multiple points of view and combine their areas of expertise to help you find and fund the best loan product for your situation.

08/31/2026

08/20/2026

We help first time homebuyers solve the payment problem!

08/12/2026

https://vid.us/r6juhf We have big changes coming for conforming loan approvals of HOAs. Best to be prepared ahead of time!

08/07/2026

Our favorite review this week :)

08/03/2026

Sitting on a low mortgage rate AND lots of equity?
You may not have to choose between the two.
I'm talking with more homeowners who want to access their equity for:
• Home improvements
• Paying off higher-interest debt
• Purchasing another property
• Helping their children buy a home
• Creating additional financial flexibility
But they DON'T want to give up the wonderful low rate on their current first mortgage.
You may not have to.
A HELOC or fixed-rate home equity loan can potentially provide access to your equity while leaving your existing first mortgage right where it is.
I'm currently helping one family do exactly that—using some of the parents' home equity to help their adult son purchase his first home. ❤️
If you're wondering what you could do with YOUR equity, let's run the numbers before you make any decisions.
Sometimes the best mortgage strategy is keeping the mortgage you already have!
Karen Card | The Card Team

Address

24701 La Plaza Ste. 103
Dana Point, CA
92629

Telephone

+17142906940

Website

http://www.Card-Team.com/

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