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    • Home
    • Home Loan Pre Approval
    • Mortgage Calculator
    • Mortgage Application
    • Home Buyer Education
    • Contact
  • Home
  • Home Loan Pre Approval
  • Mortgage Calculator
  • Mortgage Application
  • Home Buyer Education
  • Contact

Expert Mortgage Advice

Expert Mortgage Advice Expert Mortgage Advice Expert Mortgage Advice

BUILDING WEALTH THROUGH HOME OWNERSHIP

Get Started

Expert Mortgage Advice

Expert Mortgage Advice Expert Mortgage Advice Expert Mortgage Advice

BUILDING WEALTH THROUGH HOME OWNERSHIP

Get Started

As a mortgage loan originator, real estate investor, and business owner, I know that the foundation of building wealth starts with real estate. My passion is helping people buy homes. CHECK OUT MY SOCIAL SURVEY REVIEWS! 

FAQ - Home Buyer Education

You may have similar questions when you start the mortgage application process like "how much mortgage can I afford?" It's helpful to talk with a local Minneapolis Saint Paul mortgage loan consultant about your individual situation before making any big decisions. 

Home Loans Based on Your Needs

My first home, home loan pre approval

Where do I Start?

It's best to talk with mortgage loan originator to answer your questions.


  • What are first time home buyer programs?
  • Can I buy a house with no money down?
  • How much house can I afford?
  • What credit score is needed to qualify?
  • Can I be a first time buyer again? 
  • What is mortgage insurance
  • How much will my mortgage be? 

Get a Free Quote
home loan, refinance, home purchase, home loan pre approval

Purchase & Refinance

Your next purchase or refinance starts with a strong home loan pre-approval based on your situation and the following key factors:

  • Property type
  • Employment history
  • Credit profile
  • Income
  • Assets

Get a Free Quote
FHA loan, conventional loan, jumbo loan, down payment assistance, USDA loan, VA loan

Loan Programs

Based on your situation, you may qualify for one or more loan programs, including:

  • FHA loan 
  • Conventional loan 
  • Jumbo Loan
  • Down payment assistance
  • Self-employed bank statement 
  • Reverse Mortgage 
  • USDA 0% down
  • VA 0% down 

Are your retired or 62 years of age or older? We have special programs for you...

Learn More Here

Contact Chris O'Connell, Mortgage Loan Officer

Chris O'Connell | NMLS ID 869563

5251 Chicago Avenue South, Minneapolis, Minnesota 55417, United States

(612) 868-1688 chris.oconnell@cardinalfinancial.com

Home Buyer Education and Insights


Cardinal Financial Company LP

NMLS ID 66247

NMLS Consumer Access

Social Survey Reviews 

Fannie Mae 

Freddie Mac

Federal Housing Finance Agency 

Minnesota Housing Finance Agency 

Consumer Financial Protection Bureau 

Hennepin County Property Search


855-561-4944 clientcare@cardinalfinancial.com

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