Cardinal Financial- Matthew Larson- NMLS 1866651

02/20/2026

One of the biggest myths I hear is that you need 20 percent down to buy a home.

In reality, there are down payment assistance programs and flexible options that may help you get into a home with less upfront than you think.

If you’ve been waiting because of the down payment, let’s talk through what’s actually possible. Every situation is different, and a quick conversation can bring a lot of clarity.

You can also learn more about down payment assistance here:
https://www.cardinalfinancial.com/home-loan/down-payment-assistance/

Send me a message if you’d like to run your numbers.

02/20/2026

Cardinal Financial is proud to be recognized as a 2026 Best Customer Service Company by USA TODAY.

It’s confirmation that we’re upholding our mission with every homeowner we serve: Delivering Speed to Mortgage™ with certainty from application to close — real approvals, real numbers, and real confidence.

Cardinal Financial® earns a prestigious 5-star rating in USA TODAY’s “America’s Best Customer Service Financial Services 2026” rankings.