Guides & resources
The mortgage library.
In-depth guides for home buyers, veterans, and real estate investors across 10 states — written by a loan officer who has actually closed these loans.
Jacksonville DSCR Loan Guide 2026: Florida's Most Consistent Cash-Flow Market
Jacksonville produces the most predictable DSCR ratios of any major Florida market. Median home prices around $283K, median asking rent at $2,000, NAS Jacksonville and Mayport anchoring the tenant base. Here is how DSCR qualification works in this market and which submarkets actually pencil.
WSHFC Down Payment Assistance in Washington 2026: How to Stack State, City, and VA Programs
Washington's WSHFC programs offer up to 5% DPA as a deferred 0% second mortgage — and most eligible buyers never stack them with VA or city programs. Here is exactly how the combinations work, who qualifies, and what the file needs to look like to close.
JBLM VA Loan Guide 2026: Buying Near Joint Base Lewis-McChord with Zero Down
Pierce County's 2026 conforming loan limit is $977,500 — designated high-cost. JBLM BAH runs $2,556 for an E-5 with dependents. No state income tax. Here is how VA loan qualification works at JBLM and which communities produce the best value for military buyers.
Jacksonville VA Loan Guide 2026: NAS Jacksonville, Mayport, and Florida's Veteran Benefits Stack
Jacksonville is Florida's largest VA loan market. Two naval installations, a 2026 conforming limit of $832,750, Florida's complete property tax exemption for 100% disabled veterans, and a median home price around $305K. Here is how VA qualification works here and which communities to target.
VA Cash-Out Refinance in Washington State 2026: Access Equity at Up to 100% LTV
Washington home values have built significant veteran equity — especially near JBLM and the Puget Sound corridor. VA cash-out refinances allow up to 100% LTV, no PMI, and no restriction on use of funds. Here is exactly how qualification works, what it costs, and when it makes sense.
Dallas-Fort Worth DSCR Loan Guide 2026: Which DFW Suburbs Still Pencil for Investors
DFW is ranked the number one real estate investment market in the US for 2026. But not every neighborhood produces standard DSCR qualification — and Texas property taxes are the number that most out-of-state investors underestimate. This guide covers which submarkets cash flow, which compress, and how to structure a DSCR deal in DFW that survives underwriting.
Illinois First-Time Homebuyer Guide 2026: IHDA Access Forgivable and FHA Stacking in the Chicago Metro
IHDA Access Forgivable provides 4 percent of the purchase price toward down payment and closing costs, forgiven after four years. Layered on FHA financing it closes the gap between what Illinois first-time buyers have saved and what closing actually requires. Here is how it works, who qualifies, and what to expect.
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Derek Huit · NMLS #203980 · Cardinal Financial Company, Limited Partnership · NMLS #66247
Derek Huit, NMLS #203980 (NMLS Consumer Access), is licensed to originate mortgage loans in Alaska, Florida, Georgia, Illinois, Indiana, Michigan, Montana, Oklahoma, Texas, and Washington. Cardinal Financial Company, Limited Partnership, NMLS #66247 (NMLS Consumer Access), holds state licenses as described at cardinalfinancial.com/nmls-licensing. Visit the NMLS Consumer Access website at www.nmlsconsumeraccess.org for regulatory information about us. Cardinal Financial Company, Limited Partnership (NMLS ID 66247). Equal Housing Opportunity.
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