Are you wondering about your buying power for a new home? Or the potential monthly savings from refinancing? Our user-friendly calculators help you effortlessly establish your budget.
We are so happy to have chosen Fabion for our mortgage loan. The process was fast and easy, making us feel comfortable and informed throughout the loan process. We can't recommend Fabion enough. He is your guy if anyone needs a mortgage for a purchase or refinance loan. We had an amazing experience with him and Cardinal Financial. Their loan process is efficient, effortless, and streamlined. They make sure everything goes smoothly without any hassle. They provided options based on individual requests, which helped us find the perfect loan immediately. Thank you again, Fabion.
Nojan D.
Best home buying decision i ever made was calling this company. As a new home buyer I would have expected to be taken advantage of but I had a fantastic experience instead. They will burn through ALL their options(which is alot) to make sure you get exactly what you need mixed with what you can afford. Any question I have had I have got a very thorough explanation till I fully understood. 5/5 stars from me and if I ever become successful enough to want another house I am definitely calling cardinal financial again. Thank you so much Fabion!
Anthony P.
I can’t say enough good things about working with Fabion! He was great from start to finish. We were trying to purchase a home during the height of the market in Atlanta - one of the most competitive markets in the country at that time. He was available to us at every time of day - even with the time difference between east and west coast. He was thorough and committed and without his help we probably would not have been able to get into our dream home. If you are on the fence - choose Fabion! He is a great loan officer, knowledgeable and consciousness. We are so grateful - thank you again Fabion!!
Rebekah M.
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA
loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you
can get into your new home with less than a 20% down payment. Whatever your
situation, you have options.
No. Pre-qualification and pre-approval are two different things. Pre-qualification
means that a mortgage lender has reviewed your financial records and believes you
will qualify for a loan. A pre-approval is a conditional committment from a lender
that they will lend you the money for a mortgage.
A fixed rate mortgage means that the interest rate is set when you take out the loan
and will not change. With an adjustable rate mortgage, the interest rate may go up
or down after a certain amount of time. Many adjustable rate mortgages will start at
a lower interest rate than fixed rate mortgages.
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if
you are taking out a conventional mortgage with a downpayment that is less than
20% of the home's overall value. If you refinance your home with a conventional
loan and your equity is less than 20% of the home's value, you may also be required
to pay PMI. Private Mortgage Insurance protects the lender in the event that you
stop making payments on your loan.
Yes! Your mortgage advisor can help you find the right refinance and reverse
mortgage options to help you access your home equity before you've finished paying
off your loan. This can help with covering the cost of remodels, college tuition, long-
term care plans, and more! Talk to your mortgage advisor to find out how you can
access your home equity to cover any of your life's needs.
The first thing you should do in the event that you can't afford your mortgage
payements anymore is reach out to your lender. An experienced mortgage advisor
can help you find options, such as refinancing or restructuring your loan, to help you
keep up with your payments. Always reach out to your lender to ensure that you can
keep up with your payments and stay in your home.
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