Cardinal Financial Kim Kerns NMLS 1748728

09/04/2026

Same home. Different strategies. Here’s how the two most common loan terms compare.

30-year mortgage:
Lower monthly payment
More flexibility in your monthly budget
Builds equity more slowly

15-year mortgage:
Higher monthly payment
Pays off faster
Significantly less interest paid over time

Neither is wrong. The right answer depends on your income, your goals, and what you can comfortably afford. A free rate quote shows you both options side by side.

09/03/2026

No matter what State you’re in I can help you get your home buying options questions answered.

09/02/2026

Your home has been building equity. That equity does not have to just sit there.

I talk to homeowners all the time who have been putting off a trip, a big purchase, or just a financial reset — and they do not realize their home could make it possible.

A cash-out refinance gives you access to what you have earned, at a rate that is typically far lower than a credit card or personal loan.

If you have been thinking about it, let us have a quick conversation. No pressure. Just the numbers.

*Using your home equity to pay off debts or make other purchases does not eliminate the debt or the cost of the purchases, but rather increases the loan amount of your mortgage to be paid according to your new mortgage terms.

09/01/2026

One of the questions I am getting a lot this summer: can I use my home equity to pay off my credit cards?

The short answer: it is worth exploring.

A cash-out refinance lets you access the equity you have built in your home and use it to pay off high-interest debt — at a mortgage rate that is typically far lower than what credit cards charge.

One payment. One rate. A cleaner financial picture.

If you have equity and you are carrying high-rate debt, reach out. I will walk you through the numbers and we can figure out if it makes sense for your situation.

*Using your home equity to pay off debts or make other purchases does not eliminate the debt or the cost of the purchases, but rather increases the loan amount of your mortgage to be paid according to your new mortgage terms.

08/31/2026

Keys in hand. Another family home.

From the first conversation to closing day: No surprises. No mayhem. Just a plan that worked.

If you are thinking about buying this summer, I would love to help you get there too.

08/28/2026

Fast does not mean rushed.

At Cardinal Financial, Speed to Mortgage™ means approvals that hold, numbers that are real, and a process that keeps moving all the way to close.

08/27/2026

Buying in the summer does not have to feel like a sprint.

At Cardinal Financial, here is what the process actually looks like:

A real conversation
Real numbers, not estimates
Updates at every step
Close on time

No mystery. No mayhem. Just a clear path to your keys.

08/25/2026

Same home. Different strategies. Here is how the two most common loan terms compare.

30-year mortgage:
Lower monthly payment
More flexibility in your monthly budget
Builds equity more slowly

15-year mortgage:
Higher monthly payment
Pays off faster
Significantly less interest paid over time

Neither is wrong. The right answer depends on your income, your goals, and what you can comfortably afford. A free rate quote shows you both options side by side.

08/24/2026

College costs are real. So is your home equity.

As back-to-school season approaches, more homeowners are asking a smart question: should I use my home equity instead of private loans.

For many, the answer is worth exploring.

A cash-out refinance can offer:
A potentially lower rate than private education loans
One payment, not a separate loan on top of everything else
Access to funds you have already earned through your home

It is not right for everyone. But for families with equity and a plan, it is a conversation worth having.

Get a free rate quote to see what your equity could do.

*Using your home equity to pay off debts or make other purchases does not eliminate the debt or the cost of the purchases, but rather increases the loan amount of your mortgage to be paid according to your new mortgage terms.

08/21/2026