Special Programs for Special Heroes


Covid-19 has taken everyone by surprise impacting our health and daily lives, both socially and economically. As a community, we know recent times have been particularly difficult for our brave first-responders and essential workers. Thank you for placing yourselves on the frontline even with all the pandemic unknowns while we stayed home! It’s time we take care of you!

For many, the life-long dream of owning a home was placed on hold because of the current circumstances. For others, the virus has forced them into difficult situations and put people on the verge of crippling debt. All these stressors combined with the daunting task of having to look for a mortgage loan only makes life more challenging for our special heroes.


That is why offering flexible and affordable lending programs to these hometown heroes is a growing niche in the lending market. We have solutions for all credit situations.

At Cardinal Financial we are giving back to those who serve our communities by offering a special program for local heroes, which allows them the opportunity to obtain their dream home or refinance during these unprecedented times.

police officer

Who’s eligible?

If you are a firefighter, EMT, law enforcement, active-duty military, veteran or reserve military servicemember, a healthcare professional, an ISD or private school teacher, or essential worker… you qualify for homeownership savings.


Program Details*

Cardinal Financial does not charge an application or commitment fee. As a frontline worker you may be eligible for specific fee credits which can include processing and underwriting fees.

  • Available for purchase or refinance
  • Available for primary, second home, and investment properties
  • No income limits
  • No restriction on property location
  • Applies to Conventional, FHA, VA, and USDA loans
  • Now offering FREE APPRAISALS (refunded up to $500 in the form of a Lender-Credit at closing)

This is Cardinal Financials’ way of giving back to the brave people that serve the community.

To take advantage of this program and ask about eligibility, please contact Cardinal Financial at (888) 540-2939 or email at justin.bush@cardinalfinancial.com or info@cardinalhomeloans.com.

Justin Bush

Justin Bush


Lending a Hand to Our Local Heroes

*This is specific to our branch and team only