The Maltese Group - Cardinal Financial

The Maltese Group - Cardinal Financial We offer the assistance you need to help in all of your mortgage endeavors, servicing the entire Las Vegas Metro Area, California and Washington stste

• Cardinal Financial Company, Limited Partnership NMLS 66247
• Matthew Maltese NMLS 369921
• Producing Branch Manager
• Equal Housing Opportunity
• For licensing information, go to: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/66247
• Licenses: www.cardinalfinancial.com/nmls-licensing

Branch Address: 3755 Breakthrough Way Suite 360, Las Vegas, NV 89135

01/30/2026

Taxes...real estate...wages from tips...self-employed. Here's a few tips for anyone who fits that description and is looking to buy a house this year.

01/22/2026

There's been a lot of announcements coming from the White House, and it's affected mortgage rates. If you're at all thinking about buying anytime soon, this video will give you a little insight as to what's going on.

Nobody wants to feel dumb during a home purchase.And nobody wants to feel like they’re bothering someone just to get an ...
01/20/2026

Nobody wants to feel dumb during a home purchase.
And nobody wants to feel like they’re bothering someone just to get an update.

So if you work with me, here’s what I try to do: keep you posted, keep it honest, keep it moving.

You’re already dealing with enough. This part shouldn’t be chaos, too.

I’m not saying refinancing is automatically the move, but when 30-year fixed rates are sitting around a 3-year low, it’s...
01/16/2026

I’m not saying refinancing is automatically the move, but when 30-year fixed rates are sitting around a 3-year low, it’s at least worth a quick check. Especially if your mortgage is from the last few years, there might be a scenario where the numbers actually work in your favor.

The only way to know is to run it with your current balance, rate, and goals.

Sometimes it’s a win, sometimes it’s a “not yet,” but either way, you get clarity without guessing.

Curious where you land on this. There’s a new proposal floating around to ban large institutional investors from buying ...
01/15/2026

Curious where you land on this. There’s a new proposal floating around to ban large institutional investors from buying single-family homes, with the goal of making it easier for everyday families to compete.

Part of me likes the intent, because it does feel like regular people are up against deeper pockets in some markets. But I also wonder what the unintended ripple effects could be.

What do you think, helpful step or more complicated than it sounds?

I’ll be honest… who you work with matters way more than people think. A good loan officer isn’t just there to quote a ra...
01/14/2026

I’ll be honest… who you work with matters way more than people think. A good loan officer isn’t just there to quote a rate - they keep things moving, explain stuff without making you feel dumb, and they actually answer when you text.

This process can get stressful fast, so having the right person in your corner is a big deal.

I make it a priority to make all of these paramount to my process.

01/08/2026

Wondering what mortgage rates look like for 2026. I'll give you a little insight into my thoughts for this year. Let me know if I can answer any questions.

It’s not every day you get to say this, but 2025 actually finished at its lowest point of the year. Finance.yahoo.com ca...
01/08/2026

It’s not every day you get to say this, but 2025 actually finished at its lowest point of the year. Finance.yahoo.com called out the “fresh 2025 low,” and you can see the trend in the FRED chart right on the graphic.

I’m not saying rates are suddenly “back,” but this is real progress. If 2026 is your year to make a move, the goal isn’t to time the absolute bottom; it’s to have a plan so you’re ready when the window opens.

If you’re trying to figure out what 2026 might look like, I’d focus on the stuff that actually moves the needle, not the...
01/07/2026

If you’re trying to figure out what 2026 might look like, I’d focus on the stuff that actually moves the needle, not the daily headlines. Rates, inventory, and how all of that impacts the payment you’d be living with month to month.

And the biggest thing, a plan always beats a prediction. If you want to talk through your timeline and what makes sense for you, I’m happy to help you map it out.

If I did my job right, you felt taken care of, not “sold.” That’s always the goal. Thank you for the review… it means a ...
01/06/2026

If I did my job right, you felt taken care of, not “sold.” That’s always the goal.

Thank you for the review… it means a lot.

2026 doesn’t need to be “the year you buy.” It can just be the year you get ready. Because getting ready is what makes t...
12/30/2025

2026 doesn’t need to be “the year you buy.” It can just be the year you get ready.

Because getting ready is what makes the timing feel less scary later.

Even if your first step is just figuring out what you’d need for a payment, what your credit looks like, or what price range actually feels comfortable… that’s progress.

One simple way to build credit without digging a debt hole is to treat your credit card like a debit card. Put normal ex...
12/12/2025

One simple way to build credit without digging a debt hole is to treat your credit card like a debit card. Put normal expenses on it, spend only what you can actually cover, and pay it off in full every month. You get the credit score boost from on-time payments and responsible use, without the interest or stress.

I’m happy to go into more detail and even give you more ways to repair or build that credit. Every little bit counts.

Address

10777 W Twain Avenue, 210
Las Vegas, NV
89135

Opening Hours

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

Telephone

+17023722427

Website

https://www.maltesemg.com/

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