Zach Copeland - NMLS 1644904 - Cardinal Financial

Zach Copeland - NMLS 1644904 - Cardinal Financial Mortgage Loan Originator with Cardinal Financial Company, Limited Partnership NMLS 66247 Ready to buy a home?

I am a certified Mortgage Loan Originator with Cardinal Financial Company serving buyers in Tampa, Florida and its surrounding area. I'm ready to help you, every step of the way.

• Cardinal Financial Company, Limited Partnership NMLS 66247
• Zach Copeland NMLS # 1644904
• Loan Originator | Outside Sales
• Equal Housing Opportunity
• For licensing information, go to: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/66247
• Licenses: www.cardinalfinancial.com/nmls-licensing

We know you have a lot of options, so why ? 🤔👉 We're the type of lender that talks to you like a human. That empowers y...
04/27/2023

We know you have a lot of options, so why ? 🤔

👉 We're the type of lender that talks to you like a human. That empowers you with access, insight, and knowledge for a lifetime of home loan confidence.

Call, text, email, or DM me today to get started on your journey.

𝐙𝐚𝐜𝐡 𝐂𝐨𝐩𝐞𝐥𝐚𝐧𝐝 | 𝐍𝐌𝐋𝐒 𝟏𝟔𝟒𝟒𝟗𝟎𝟒
📲 561.339.6645
✉️ [email protected]

Do impact your ability to buy a house? Absolutely, but can still be an attainable goal!📈 Student loans, when paid on...
04/20/2023

Do impact your ability to buy a house? Absolutely, but can still be an attainable goal!

📈 Student loans, when paid on time, actually reflect positive history. They can actually help improve your credit over time, because they’re long-term accounts that lengthen your credit age.

💰 Repaying your student loans may mean you have less to spend on a payment, but that doesn’t mean you can’t have your home and pay it, too. Working with the right lender can help you find a loan that fits your budget and the lifestyle you want to live.

And hey, college grad…homeowner…wealth-builder. Sounds like a pretty sweet life, huh?

🌐 Learn more here: cardinalfinancial.com/blog/do-student-loans-affect-buying-a-house/

👉 The day before closing, you and your Realtor will have the opportunity to walk through the home and make sure everythi...
04/14/2023

👉 The day before closing, you and your Realtor will have the opportunity to walk through the home and make sure everything is aligned with what you’ve agreed to purchase.

This could include a lot of easy-to-forget details, so make sure you screenshot/save this Final Walkthrough Checklist for later! ⬇️⬇️

✅ Check locks on windows, doors, and gates

✅ Make sure windows, doors, and gates open and close properly

✅ Confirm appliances are functional

✅ Check for mold (especially in damp areas like under sinks)

✅ Test all electrical outlets

✅ Test the thermostat and HVAC system

✅ Check floors, walls, and ceilings for damage

✅ Look for signs of pests, like mice and ants

✅ Make sure the irrigation system is functional

✅ Make sure all agreed-upon repairs have been completed

Oh, and if the home includes additions like a storage shed or detached garage, don’t forget to apply the same checklist to those structures as well!

👉 One of the most frequently asked questions I get is, "𝐇𝐨𝐰 𝐥𝐨𝐧𝐠 𝐝𝐨𝐞𝐬 𝐢𝐭 𝐭𝐚𝐤𝐞 𝐭𝐨 𝐜𝐥𝐨𝐬𝐞 𝐨𝐧 𝐚 𝐡𝐨𝐮𝐬𝐞?" and just like anythi...
04/10/2023

👉 One of the most frequently asked questions I get is, "𝐇𝐨𝐰 𝐥𝐨𝐧𝐠 𝐝𝐨𝐞𝐬 𝐢𝐭 𝐭𝐚𝐤𝐞 𝐭𝐨 𝐜𝐥𝐨𝐬𝐞 𝐨𝐧 𝐚 𝐡𝐨𝐮𝐬𝐞?" and just like anything else, the answer is, it depends! ⬇️

🏠 On average, it takes about 30 days
🏠 Depends on your loan type, financial situation, and length of contract
🏠 We've seen proactive buyers close in as little as seven days

Follow me for more FAQ! 💡

👉 For many , traditional income or credit documentation can be a significant challenge.The Alt-Doc Program enables borr...
04/05/2023

👉 For many , traditional income or credit documentation can be a significant challenge.

The Alt-Doc Program enables borrowers to qualify using alternative methods such as asset depletion and/or bank statements. 📋

This is ideal for self-employed borrowers who do not meet traditional documentation requirements but can qualify using flexible alternatives.

Looking to take advantage of this program? Reach out to me today. ⬇️⬇️

𝐙𝐚𝐜𝐡 𝐂𝐨𝐩𝐞𝐥𝐚𝐧𝐝 | 𝐍𝐌𝐋𝐒 𝟏𝟔𝟒𝟒𝟗𝟎𝟒
📲 561.339.6645
✉️ [email protected]

How does help families build wealth? 🏠 What makes a transgenerational tool to achieve financial security? 💰⬇️𝐇𝐨𝐦𝐞𝐨𝐰𝐧...
03/30/2023

How does help families build wealth? 🏠 What makes a transgenerational tool to achieve financial security? 💰⬇️

𝐇𝐨𝐦𝐞𝐨𝐰𝐧𝐞𝐫𝐬𝐡𝐢𝐩 𝐚𝐬 𝐚𝐧 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭: As property values increase, so does the value of the homeowner's equity. This can be used for future investments or passed down to the next generation.

𝐅𝐨𝐫𝐜𝐞𝐝 𝐒𝐚𝐯𝐢𝐧𝐠𝐬: Not only are costs typically less per square foot than rent, but they also help build your equity each month — in other words, you are making payments toward your future financial health.

𝐓𝐚𝐱 𝐁𝐞𝐧𝐞𝐟𝐢𝐭𝐬: Homeowners can leverage deductions for mortgage interest and property taxes. These deductions can reduce your taxable income, which can often result in a lower tax bill.

𝐒𝐭𝐚𝐛𝐢𝐥𝐢𝐭𝐲: Owning a can offer families a sense of permanence and belonging within a community, which can lead to better mental health and well-being.

𝐏𝐚𝐬𝐬𝐢𝐧𝐠 𝐃𝐨𝐰𝐧 𝐖𝐞𝐚𝐥𝐭𝐡: As the value of a home appreciates, it can become a substantial asset that can be inherited by loved ones. It can be sold to fund other investments or continue as the family home where a new generation of memories can be made.

Visit our website today to learn more.

🌐 CardinalFinancial.com

Here are 𝐭𝐡𝐫𝐞𝐞 𝐰𝐚𝐲𝐬 𝐭𝐨 𝐩𝐫𝐞𝐩𝐚𝐫𝐞 𝐟𝐨𝐫 𝐚𝐩𝐩𝐥𝐲𝐢𝐧𝐠 𝐟𝐨𝐫 𝐚 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞! 🏠⬇️💰 𝐑𝐞𝐩𝐚𝐲 𝐄𝐱𝐢𝐬𝐭𝐢𝐧𝐠 𝐃𝐞𝐛𝐭: Your debt-to-income ratio shows th...
03/24/2023

Here are 𝐭𝐡𝐫𝐞𝐞 𝐰𝐚𝐲𝐬 𝐭𝐨 𝐩𝐫𝐞𝐩𝐚𝐫𝐞 𝐟𝐨𝐫 𝐚𝐩𝐩𝐥𝐲𝐢𝐧𝐠 𝐟𝐨𝐫 𝐚 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞! 🏠⬇️

💰 𝐑𝐞𝐩𝐚𝐲 𝐄𝐱𝐢𝐬𝐭𝐢𝐧𝐠 𝐃𝐞𝐛𝐭: Your debt-to-income ratio shows the % of your monthly gross income that goes towards repaying your debt. To lower your DTI ratio, pay off as much debt as possible before applying for a mortgage.

📈 𝐂𝐡𝐞𝐜𝐤 𝐘𝐨𝐮𝐫 𝐂𝐫𝐞𝐝𝐢𝐭: This includes pulling credit reports from each of the three credit reporting bureaus (Experian, TransUnion, and Equifax) to better understand your . Ideally, you should check your credit history at least 6-12 months before applying for a so you have time to improve your score, if necessary.

📋 𝐆𝐚𝐭𝐡𝐞𝐫 𝐏𝐚𝐩𝐞𝐫𝐰𝐨𝐫𝐤: To apply for a , you will need documents such as: recent pay stubs, W-2 forms, 1099 forms, bank statements, statements from all investment accounts, etc.

How will you use your tax refund this year? If you're thinking about putting that money toward a down payment, contact me today. ⬇️⬇️

𝐙𝐚𝐜𝐡 𝐂𝐨𝐩𝐞𝐥𝐚𝐧𝐝 | 𝐍𝐌𝐋𝐒 𝟏𝟔𝟒𝟒𝟗𝟎𝟒
📲 561.339.6645
✉️ [email protected]

Happens to the best of us. 🤦‍♂️
03/22/2023

Happens to the best of us. 🤦‍♂️

When should you think about , and when should you think twice? Here’s a quick guide to help answer these common questio...
03/16/2023

When should you think about , and when should you think twice? Here’s a quick guide to help answer these common questions:

𝐖𝐡𝐚𝐭 𝐚𝐫𝐞 𝐭𝐡𝐞 𝐩𝐞𝐫𝐤𝐬 𝐨𝐟 𝐫𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐧𝐠?

✅ It can change your payments and interest rate.
✅ Allows you to get a shorter/longer loan term or switch from a variable-rate to a fixed-rate loan.
✅ Cash-out refinancing can give you immediate access to funds.

𝐖𝐡𝐞𝐧 𝐬𝐡𝐨𝐮𝐥𝐝 𝐈 𝐭𝐡𝐢𝐧𝐤 𝐭𝐰𝐢𝐜𝐞?

✅ If you plan on moving in the next few years.
✅ If the cost outweighs what you’d save.
✅ If you’re close to paying off your first

𝐇𝐨𝐰 𝐜𝐚𝐧 𝐈 𝐩𝐫𝐞𝐩𝐚𝐫𝐞 𝐭𝐨 𝐫𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐞 𝐦𝐲 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞?

✅ Review your options and current rates.
✅ Calculate closing costs.
✅ Check whether you can improve your finances to get better loan offers.

Make sure to save this post for later!

Did you know that monthly payments on your reverse mortgage are 𝒐𝒑𝒕𝒊𝒐𝒏𝒂𝒍? 💰🏠 Typically, are paid when you move out o...
03/03/2023

Did you know that monthly payments on your reverse mortgage are 𝒐𝒑𝒕𝒊𝒐𝒏𝒂𝒍? 💰

🏠 Typically, are paid when you move out of the home, if and only if the home is your principal residence, you pay your property taxes & homeowners insurance, and keep the home in good condition. ✅

Questions about reverse ? Reach out to me today. ⬇️⬇️

𝐙𝐚𝐜𝐡 𝐂𝐨𝐩𝐞𝐥𝐚𝐧𝐝 | 𝐍𝐌𝐋𝐒 𝟏𝟔𝟒𝟒𝟗𝟎𝟒
📲 561.339.6645
✉️ [email protected]

Earnest Munny? Ever heard of him? 🤔No, of course you haven't! 👉 "Earnest money" is a deposit you give the seller to let ...
02/24/2023

Earnest Munny? Ever heard of him? 🤔

No, of course you haven't! 👉 "Earnest money" is a deposit you give the seller to let them know you're serious about buying their house. 🏠💰

Your journey starts here. Reach out to me today for more information!

𝐙𝐚𝐜𝐡 𝐂𝐨𝐩𝐞𝐥𝐚𝐧𝐝 | 𝐍𝐌𝐋𝐒 𝟏𝟔𝟒𝟒𝟗𝟎𝟒
📲 561.339.6645
✉️ [email protected]

Here are 8 things every should know! ⬇️✅ Don't commit before you're ready✅ Don't shy away from down payments✅ Keep the...
02/20/2023

Here are 8 things every should know! ⬇️

✅ Don't commit before you're ready

✅ Don't shy away from down payments

✅ Keep the school district in mind

✅ A land survey will answer boundary questions

✅ Reserve cash for potential home improvements

✅ Dig deeper during inspection

✅ Don’t spend every dollar you qualify for

✅ Build a solid real estate team

Questions? Visit our website to learn more.
🌐 CardinalFinancial.com

Address

615 Channelside Drive, Suite 207
Tampa, FL
33602

Telephone

+15613396645

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