What are the opening hours?

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

Cardinal Financial Kim Kerns NMLS 1748728

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New Smyrna Beach, FL
Cardinal Financial Kim Kerns NMLS 1748728

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As a loan originator, I take pride in my ability to solve complex financial challenges with finesse.

Loan Originator because Miracle Worker is not an official job title

10/28/2026

The mortgage process should not be the scary part.
Real numbers. Clear next steps. Someone who answers when questions come up.

No mystery. No mayhem. Happy Halloween.

10/12/2026

Growth looks different when you have the right team behind you. Cardinal Financial® is expanding and investing in Loan Originators who want a clear path to more efficiency, more visibility, and more opportunities to succeed.

10/09/2026

The listing is not step one. Your numbers are.
Before we talk homes, I ask about three things: cash available, a comfortable monthly payment, and your timeline.
You do not need every answer yet. That is what our first conversation is for.

10/08/2026

A pre-approval should give you more than a price range.

It should help you understand a comfortable payment, likely upfront costs, and what comes next.

If yours left you with more questions than answers, let us talk through it.

09/30/2026

We're growing across New England and looking for professionals who want more than a logo on a business card. Join a team focused on clarity, momentum, and helping you create a stronger business.

09/28/2026

Join a team that's building momentum across the Mid-Atlantic. With Cardinal Financial®, you'll have the tools, visibility, and support to help more clients move forward with confidence.

09/25/2026

Speed on its own isn’t enough.

At Cardinal Financial, Speed to Mortgage™ means approvals that hold up, numbers that are real, and a process that keeps moving from first click to close.

No surprises. No mystery.

09/24/2026

Building your home instead of buying one? There’s a smarter way to finance it.

A one-time close construction loan combines the land, the build, and the permanent mortgage into a single loan with a single closing.

That means:

- One loan. One closing. One less thing to worry about.
- Finance the land, the construction, and the permanent mortgage together
- Lock your rate once — no risk of rates rising mid-build
- One underwriting process, not two
- Cardinal Financial offers construction-to-permanent financing in all 50 states and DC

Get a free rate quote to see how it works for your situation.

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09/22/2026

We know every lender says they offer speed, support, and technology.

The difference is whether it actually helps you work better day to day.

Cardinal Financial® delivers practical support and clearer communication.
A process designed to reduce friction, not just talk about it.

If you're skeptical, that makes sense.

Let's talk.

09/17/2026

Fall house hunting starts before the first showing. Before you start scrolling listings, get clear on three things: your credit, your comfortable monthly budget, and your must-haves versus nice-to-haves. That preparation can help you focus your search and recognize the right home when it comes along. If buying is on your fall goals list, I’m here to help you build a plan.

Address

New Smyrna Beach, FL
32169

Opening Hours

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

Website

https://www.cardinalfinancial.com/loan-originator/kim-kerns/

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