Good people deserve great advice. That’s why we need you.
Peoples Home Equity is a fast-paced, progressive, and professional mortgage lender that focuses on designing solutions for our borrowers and partners—to deliver the best mortgage experience possible.
What’s in it for you?
As a group within Cardinal Financial, we foster an empowered culture that embraces the entrepreneurial spirit. This environment gives you the autonomy, control, and support you need to run your business, your way.
Peoples Home Equity is a fast-paced, progressive, and professional mortgage lender that focuses on designing solutions for our borrowers and partners—to deliver the best mortgage experience possible.
What’s in it for you?
As a group within Cardinal Financial, we foster an empowered culture that embraces the entrepreneurial spirit. This environment gives you the autonomy, control, and support you need to run your business, your way.
The loan origination platform, Octane®, is the engine that powers our business, but we know that good tech only goes so far without good people behind it. We're a great mortgage lender, yes, but we also strive to be great leaders, coworkers, and team members as well. The experience we provide is what sets us apart, and our brand is how we let the world know what we're about.
"Our success has been driven by our people. We invest heavily in making sure that we are working with like-minded mortgage specialists that share our common principles—integrity, tenacity, and transparency. By working together, we’re able to build a strong foundation in each community that we serve and create a lifestyle that promotes balance at home and in the workplace."
Aaron Wimsatt
Divisional Executive Vice President
For people, by people since the beginning.
Innovation is in our DNA.
These core values set the standard for our continued success.
Work Hard
We have a bias for action, and a strong work ethic. From the C-suite to the front lines, we all roll up our sleeves and get the job done.
Be Genuine
We’re not about politics or status. We’re genuine, reliable, and ethical. We do the right thing because it’s the right thing to do.
Raise the Bar
We strive to provide the best experience, and we will not rest until we’ve done just that. It requires the audacity to continuously raise the bar and intentionally iterate beyond what is considered "enough."
Be Professional
We treat our work like it’s our business. We show up. We take ownership. And we support each other. None of which requires a suit or tie. We strive to be the best in our industry by continuing to seek knowledge. Whatever our role is, we want to be great at it.
Design Solutions
We run toward hard problems, not away from them. By encouraging creativity and ingenuity, our solutions are by design—not by accident.
Stay Humble
We move with quiet confidence. With our undeniable will to win, we let our actions speak for themselves.
Work Hard
We have a bias for action, and a strong work ethic. From the C-suite to the front lines, we all roll up our sleeves and get the job done.
Raise the Bar
We strive to provide the best experience, and we will not rest until we’ve done just that. It requires the audacity to continuously raise the bar and intentionally iterate beyond what is considered "enough."
Design Solutions
We run toward hard problems, not away from them. By encouraging creativity and ingenuity, our solutions are by design—not by accident.
Be Genuine
We’re not about politics or status. We’re genuine, reliable, and ethical. We do the right thing because it’s the right thing to do.
Be Professional
We treat our work like it’s our business. We show up. We take ownership. And we support each other. None of which requires a suit or tie. We strive to be the best in our industry by continuing to seek knowledge. Whatever our role is, we want to be great at it.
Stay Humble
We move with quiet confidence. With our undeniable will to win, we let our actions speak for themselves.
Go-getters wanted.
Join the team that puts you first.
We understand that our people make this place what it is. That’s why we’re committed to fostering an inclusive and ambitious culture; one where team members can collaborate, learn from one another, and take pride in doing the best work of their careers.
What's powering your business?
Meet Octane® — the engine that powers our business. And soon, hopefully yours too.
Cardinal Financial is powered by Octane, our proprietary end-to-end loan origination platform that moves borrowers through the mortgage process with speed and efficiency. And for our loan originators, it’s the most powerful loan assistant available.
Octane improves the customer experience and helps drive down the cost per loan giving you a real competitive advantage.
Multiple instances can be open at the same time to maximize processing efficiency.
All team members can work on the loan at the same time without impeding progress.
Enjoy hassle-free underwriting with no layered conditions or unnecessary wait times.
Automation isn't a buzzword around here. It's a way of life.
Our intuitive technology automates many of the menial tasks in the process, which makes every employee's job less task-heavy and more efficient.
Octane hour
Each night, Octane scans every loan to look for changes causing a DU failure or not eligible characteristics and it alerts you to those scenarios. Also, while you're sleeping… Octane checks all loans against FEMA lists.
Feature Reels
Watch some short videos on the features of Octane.
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WATCHOctane Demo -
WATCHEarly Wire -
WATCHMismatch Screen
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WATCHLender Concessions
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WATCHE-sign by Email
More products.
More options.
Products at your fingertips.
Cardinal proudly offers one of the broadest product offerings in the industry, including in-house construction and renovation programs. We are approved to sell directly to Fannie Mae, Freddie Mac, and Ginnie Mae, and we’re authorized to originate FHA, VA, and USDA loans. A wider variety of products means a wider variety of solutions for your borrowers.
Our loan products.
Every loan is different, but we treat the process the same: with borrower needs at the center. Our loan products are foundational yet flexible to help tailor financing to the borrower, not the other way around.
Conventional & High Balance Loans
Conventional
in all the best ways.
FHA Loans
FHA
flexibility-stacked.
VA Loans
VA
USDA Loans
USDA
Jumbo/Non-QM Loans
Jumbo
high-cost homes.
Condo Loans & Manufactured Housing
Community Lending
Downpayment Assistance
Renovation Loans
Construction Loans
Disaster Recovery & Home Repair Loans
Reverse Mortgage
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Condo Loans & Manufactured Housing
Condo loans are the ideal option for homeowners who want to build home equity without sacrificing the city life or community-style amenities. -
Community Lending
With our various community lending programs, the American Dream of homeownership becomes a reality for more people. -
Downpayment Assistance
Down payment assistance programs offer just that—financing to help borrowers cover the closing costs on a mortgage. -
Renovation Loans
With low interest rates and flexible credit requirements, we offer CHOICERenovation®, CHOICEReno eXPress®, and more programs to help borrowers remodel, flip, or add onto their dream homes. -
Construction Loans
For new home builds, we combine product variety with the convenience of a one-time close, rolling the costs of land, labor, and building materials into one closing package for borrowers. -
Disaster Recovery & Home Repair Loans
FHA 203(h) loans offer more accessible terms to help homeowners finance home repairs and get back on their feet after a major disaster. -
Reverse Mortgage
Reverse mortgages allow homeowners who are 62 or older to convert their home equity into tax-free proceeds for financial flexibility in retirement.
Order of operations.
The power of choice.
We give you the power to choose which operations model is right for you. Octane also has a big impact on operations by eliminating many administrative or manual tasks required at other companies. This keeps operations team members happier and more productive.
Cardinal offers a hybrid operations model, with the option for local/onsite processing in our retail branch offices, or the ability to leverage our Centralized Corporate Processing team on every loan or on an overflow basis.
This hybrid operations model gives you flexibility to effectively manage your business and choose a solution that is right for you.
Our processing team works remotely with team members distributed throughout the United States. This ensures better coverage from a time zone standpoint and better knowledge of your specific markets. Octane intelligently assigns loans to operations team members based on the loan type, their experience profiles, workload and capacity.
Underwriting
We have many underwriters that are all working remotely across the country to get your loans to the finish line. They are aligned to a handful of different underwriting teams based on their work location and time zones.
Because of our agile and remote structure, we’re able to deliver fast and efficient turn times consistently. Underwriting turn times are posted to the Hub on a daily basis to hold the standard.
Octane automatically assigns and delegates each loan task to the correct team member through every stage of underwriting. This eliminates transition stalls and guess work.
Dynamic pricing
Cardinal’s Dynamic Pricing approach allows managers to directly control pricing and margin for their branch down to a product type, loan amount, and FICO score level.
Our complete financial transparency clearly shows the absolute raw pricing (or Correspondent rate) to your branch and the corporate revenue on each loan. This allows you to clearly determine up-front your revenue on each loan.
Navigating your new gig.
We make it easy.
Onboarding team
Offer acceptance through Day 1
Our dedicated retail onboarding team is responsible for the onboarding of new retail production hires.
Integration support
Day 1 through Day 90 or beyond
Our specialized Integration Support team takes over on Day 1 and provides new hire training and production support during transition.
Octane Training
Become proficient with Octane, our loan origination technology that’s changing the industry. The goal: help you streamline processing and build your book of business.
Retail Operations
If you’re here you know that not all retail lending is created equally. We’ll give you the tools to set yourself up for success under the Cardinal Financial umbrella.
Hub Orientation
If you’ve got questions about products, benefits, or anything else, you’ll find answers on our custom intranet, the Hub. We’ll show you how to navigate and search for everything you need.
More Power. More Control.
More Business.
Our main goal here at Peoples Home Equity is to help our loan originators get more done. We’re invested in your business and we’re here to help you thrive in the marketplace.
We offer an inclusive marketing offering that helps you prioritize your borrowers and real estate partners above all else by giving you tools, content, and vendors to use as you see fit for your marketing efforts. Powered by the best tech in the business, and serviced by even better people, it’s easy to see what sets us apart.
More ways to market.
Make a bigger impact with our corporate marketing offering-the solid foundational support you need, with the flexibility you'll love.
Support
- Immediate support from real people, accessible via phone, email, or live chat.
- Streamlined submission forms for specialized requests that need extra marketing help.
- Monthly marketing webinars with the corporate marketing team for new tips, tricks, product offerings, live Q&A time, and more.
Content
- Accessible content library, full of emails, social media posts, flyers, and more.
- Tailor-made templates for custom, compliant marketing materials.
- Company store with stationary, swag, and signage to wow your clients.
- Efficient approval workflows for when you want to do your own thing.
Tools
- Many of the tools you know and love (like Total Expert, MBS Highway, BombBomb, and so many more), often with preferred pricing procured by corporate.
- Third-party tools provide a range of functionality, from a well-established CRM platform to reputation management. Since we have a tool for every functionality you might need, you never have to pay for something you won't use.
Work-life balance is the truest benefit.
Cardinal Financial offers employees a comprehensive, high-quality benefits* package, including a choice of medical options that meet family needs, as well as dental, vision, and life insurance. There is no waiting period! Employees are eligible to participate in these benefits beginning on the first of the month following their start date.
We understand that one size doesn't always fit all; therefore, all Cardinal benefit options are offered a la carte.
Pay Periods
Cardinal pays eligible base compensation current as follows:
- 1st through 15th on the 15th
- 16th through end of month on the 30th
- Overtime eligible hours are paid on a lag per the Payroll Schedule.
Commissions
- Period A (1st through 15th) is paid on the 30th payroll
- Period B (16th through end of month) is paid on the 15th of the following month
- Overrides are paid once a month on the 15th for the previous month
Retirement & 401k
Cardinal Financial employees are immediately eligible for 401(k) benefits via The Principal on the first of the month following the start date. Employees are automatically enrolled at 3% with the option to change the deferral rate at any time. Employees are able to make both pre-tax and ROTH IRA contributions.
Upon completion of the eligibility and vesting period, Cardinal Financial matches 50% up to a maximum employee contribution of 5%.
* This is not an exhaustive list of benefit information. Please contact us and we’d gladly answer any questions you may have!
Ready to supercharge your business?
Fill out the form fields, and our Talent Acquisition team member will be in touch soon.
Call 615.208.4663 or Email us at recruiting@peopleshomeequity.com
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