Cardinal Financial Company - Nestor Santamaria - NMLS# 678459

04/08/2026

I help people in Reno and Northern Nevada get approved for a home — even if they think they can’t.

Most buyers I talk to believe they need perfect credit, a huge down payment, or years of waiting. That’s not always true.

I specialize in:
• VA Loans (0% down options for veterans)
• First-time homebuyers
• Low down payment programs

If you’re thinking about buying, refinancing, or just want to know where you stand, I’ll walk you through it step by step — no pressure.

Message me or comment “BUY” and I’ll help you figure out your options.

Nestor Santamaria
Mortgage Loan Officer
Cardinal Financial
NMLS #678459

02/24/2026

Is your rent $1800 per month. Why haven’t you bought a house?

02/24/2026

Most people can qualify for a mortgage. But they don’t buy. Why? Call me 775-351-9799.

02/07/2026

May God bless you and grant you many more years of life. Happy 16th birthday. The memories of that day remain vivid in my mind, as if it were only yesterday. Throughout these years, your life has been filled with blessings and invaluable learning experiences. Continue to learn and grow. My advice to you for this year is to avoid comparing yourself to others. By the time you look back, you will have surpassed everyone. Engage in activities that others are unwilling to do, and you will achieve things that others will never attain.

01/20/2026

Errores que cometemos con el crédito.

01/19/2026

01/19/2026

All you need to do is start your mortgage application

01/14/2026

Stay on the plan

01/14/2026

Follow the plan