Dave Campagna - NMLS # 286534 - Cardinal Financial

Dave Campagna - NMLS # 286534 - Cardinal Financial Mortgage Loan Officer | Breaking down mortgage stuff into simple, real-life English. Turning confusing mortgage math into “Ohhh… that makes sense.”

Turning confusing mortgage math into “Ohhh… that makes sense.”

Helps homebuyers and homeowners buy or refinance with confidence. He focuses on strategies that help clients win offers, build generational wealth, and minimize out-of-pocket costs for the strongest overall financial outcome.

Owning a home can create opportunities that go far beyond simply having a place to live. For many homeowners, home equit...
06/04/2026

Owning a home can create opportunities that go far beyond simply having a place to live. For many homeowners, home equity can become a powerful financial tool that may help support goals like:
✔ Home renovations
✔ Education expenses
✔ Debt consolidation
✔ Emergency reserves
✔ Real estate investing opportunities
But homeownership is about more than finances, too. It’s about creating stability, building memories, putting down roots, and investing in your future.
For 30 years, we have proudly helped individuals and families build brighter futures through homeownership.
Whether you’re a current homeowner looking to make your next move or just beginning your homeownership journey, let's connect today to explore your options.
https://myoc.io/SeeMyWebsite



NMLS # 286534

Rates change. Strategy wins. Rates move every day, so trying to predict them is less effective than preparing for differ...
06/02/2026

Rates change. Strategy wins. Rates move every day, so trying to predict them is less effective than preparing for different scenarios. The best move is having a plan that works in more than one market. If you want to talk strategy, message me.
https://myoc.io/SeeMyWebsite



NMLS # 286534

05/28/2026

Did you know there are ways to lower your interest rate upfront when buying a home?
A seller-paid buydown allows the seller to contribute toward reducing your interest rate, helping to lower your monthly payment (especially in the early years of your loan).
This can be a powerful strategy in today’s market, giving buyers more flexibility and affordability.
It’s not one-size-fits-all, but it’s an option worth exploring if you’re planning to purchase.
https://myoc.io/SeeMyWebsite



NMLS # 286534

Patio season is officially here.If your outdoor space isn’t quite what you want yet… it might be time to change that.Wha...
05/26/2026

Patio season is officially here.
If your outdoor space isn’t quite what you want yet… it might be time to change that.
What’s your must-have: fire pit, garden, or outdoor lounge?
https://myoc.io/SeeMyWebsite



NMLS # 286534

05/25/2026

Home of the free because of the brave. Today we pause to remember those who gave everything.
https://myoc.io/SeeMyWebsite



NMLS # 286534

05/24/2026

Let’s hear it—what are you doing to kick off summer this Memorial Day weekend? ☀️
https://myoc.io/SeeMyWebsite



NMLS # 286534

The smartest buyers aren’t waiting.They’re preparing.Want to be one of them? Let’s talk.https://myoc.io/SeeMyWebsite NML...
05/21/2026

The smartest buyers aren’t waiting.
They’re preparing.

Want to be one of them? Let’s talk.
https://myoc.io/SeeMyWebsite



NMLS # 286534

Address

400 E Kettleman Lane #20
Lodi, CA
95240

Opening Hours

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

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