Sarah Steigerwald- Mortgage Loan Originator NMLS 919041

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United States
Spanish Fort, AL
Sarah Steigerwald- Mortgage Loan Originator NMLS 919041

Dedicated to to my clients. Making dreams come true one home loan at a time since 2013. 🏘

Cardinal Financial Company, Limited Partnership NMLS 66247
Sarah Steigerwald NMLS #919041
Loan Originator
Equal Housing Opportunity
For licensing information, go to: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/66247
Licenses: www.cardinalfinancial.com/nmls-licensing

09/04/2026

Another BIG FANNIE MAE UPDATE- guideline change! 👀
Have a homeowner with a 3–4% mortgage who wants to move but doesn’t want to sell?

Fannie Mae just made that MUCH easier.

An eligible buyer may now be able to keep their current home as a rental and use 75% of documented market rent to help offset that mortgage payment — WITHOUT having to secure a tenant or execute a lease before closing.

Market rent can potentially be documented through an appraisal, Form 1007, or even market data such as MLS/Zillow/Redfin with the required rental comps.

This could be a game changer for move-up buyers who don’t want to give up that 3% mortgage. 🔑

Realtors — if you have someone who says, “I’d move, but I don’t want to give up my rate,” call me. Let’s run the numbers before they assume they have to!

09/03/2026

Big update for manufactured Home financing!

As of September 2, 2026, Freddie Mac may now allow financing on certain manufactured homes that have been moved from another property.

Previously, if a manufactured home had been relocated from its original site, conventional financing was typically a NO.

Now, it may be possible! 🙌

A few important requirements:

🏡 The home’s structural integrity must be verified by an approved professional- Structural Engineer

🏠 It still has to meet Freddie Mac’s standard manufactured home requirements, including permanent foundation and real-property requirements.

💰 The mortgage cannot finance the cost of moving, setting up or installing the home.

Bottom line: If you have a buyer who was previously told they couldn’t finance a manufactured home because it had been moved, it may be time to take another look! 👀

Guidelines change—and staying on top of those changes can open doors for buyers.

Sarah Steigerwald NMLS 919041
Cardinal Financial
251-355-1359
[email protected]

08/22/2026

"I’ll buy when rates drop."

We hear it every week. Here’s what we tell people:

Rates matter. But they’re one variable in a much bigger equation: home prices, inventory, your personal timeline, and what you can comfortably afford.

The buyers who win in this market aren’t the ones who timed it perfectly. They’re the ones who were ready when the right home showed up.

Being ready starts with one conversation.

08/20/2026

Buying your first home? Do this before you start browsing.

✅ Check your credit and clean up what you can.
✅ Determine a monthly payment you’re comfortable with, not just the max.
✅ Get pre-approved with real numbers so you know where you stand.

The search is the fun part. This is how you show up ready.

08/18/2026

You shouldn't have to chase updates.

Our process is designed to give you more visibility.
Clearer next steps. Fewer surprises.

When you have clarity, you move faster.

08/15/2026

The worst part of the mortgage process isn't the paperwork.

It's the silence.

The days between submitting documents and hearing nothing. Wondering if something went wrong. Refreshing your email for the 47th time.

At Cardinal Financial, we don't do silence. You'll always know where you stand.

08/12/2026

Buying but stuck on the down payment? You’re not alone.

Cardinal Elite can help with up to 3.5% in down payment assistance for qualified buyers. That can make getting in the door more realistic, without draining your savings.

Start with real numbers, not guesses.

08/10/2026

Keys in hand. Another family home.

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

If you’re thinking about buying, I’d love to help you get there too.

08/09/2026

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.

08/07/2026

Fast you can bank on

Get the mystery out of the mortgage. Clear path. Real numbers. Close on time.

If you’re thinking about buying, refinancing, or just want to know where you stand: I'm here.

Address

Spanish Fort, AL

Telephone

+12513551359

Website

http://cardinalfinancial.com/sarah.steigerwald

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