Ginger Lynch - NMLS 340331 - Cardinal Financial

Is your monthly budget bogged down by debt payments? A cash-out refi* could help you free your finances by trading high-interest debt for a single, fixed-rate mortgage payment.

*Using your home equity to pay off debts or make other purchases does not eliminate or lessen the debt or the cost of the purchases, but rather increases the loan amount of your mortgage to be paid according to your new mortgage terms.

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Kids are the future, so make sure they're set up for success with these home study space tips.
https://www.cardinalfinancial.com/blog/study-room-ideas/

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Looking to invest in real estate? Before you take on this additional income source, read our tips for buying your first rental property. https://www.cardinalfinancial.com/blog/buying-first-rental-property/

If you’re planning to put your home on the market, don’t miss our top 7 home staging tips. Spoiler alert: Those awkward family photos are headed for storage.
https://www.cardinalfinancial.com/blog/home-staging-tips/

Age is just a number. But, sometimes that number influences what buyers look for in a home. So if you're selling to Gen Z, make sure your home includes some of these top features. https://www.cardinalfinancial.com/blog/what-young-home-buyers-want/

Are you planning any financial resolutions for the new year? If so, try these tips to make them count.

??Our top DIY home renovation tip? Understand which projects should actually be DIYed, and which are better left to professionals. Get the breakdown on our blog.
https://www.cardinalfinancial.com/blog/diy-home-renovation-tips/

http://www.cardinalfinancial.com/ginger.lynch

Closing costs are fees related to your mortgage that are due when you close on your home loan. In your home purchase budget, plan to spend about 2-3% of the total loan amount on closing costs.
Depending on where you live, you may also be eligible for closing cost financial assistance. Call me today to learn more!

http://www.cardinalfinancial.com/ginger.lynch

In the market for a fixer-upper? Looking to give your existing home some reno love?

Our Conventional renovation loan solutions help borrowers purchase or refinance renovation properties and projects with a single loan based on the home's post-project assessed value. Contact us to see if you qualify!

http://www.cardinalfinancial.com/ginger.lynch

When you buy a home, you and the seller will likely split the costs of the year's property taxes. The responsibility of who pays what portion of the property tax is known as property tax proration.

Figure out your mortgage budget the easy way with our mortgage calculator. Unless you just really like math. https://www.cardinalfinancial.com/mortgage-calculators/mortgage/

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The only thing we love more than fixer-uppers is the flexible financing they offer. When you roll your mortgage and project costs into one loan, we have a feeling you'll be a fan, too.

http://www.cardinalfinancial.com/ginger.lynch

Your debt-to-income ratio (DTI) is the percentage of your monthly income spent on debts. It's a factor lenders look at when reviewing your mortgage application, so lowering your DTI can help you qualify for better terms.

http://www.cardinalfinancial.com/ginger.lynch

Smart home features aren't going anywhere, but which ones are actually worth incorporating in your home? Thermostats, security, and lighting are great places to start.
https://www.cardinalfinancial.com/blog/smart-home-upgrades/

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Selling your home? First impressions matter. Make the most of yours with our top home staging tips to nail your sale.
https://www.cardinalfinancial.com/blog/home-staging-tips/

Selling your home? First impressions matter. Make the most of yours with our top home staging tips to nail your sale.
https://www.cardinalfinancial.com/blog/home-staging-tips/

http://www.cardinalfinancial.com/ginger.lynch

Qualifying a condo as warrantable or non-warrantable isn’t as simple as a “yes” or a “no.” Luckily, you don’t have to be an expert to wade through the differences. Our dedicated team has decades of expertise in finding solutions for both.

Call me today to explore your options!
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http://www.cardinalfinancial.com/ginger.lynch

Did you know co-ops, or “cooperative housing,” can be financed with a cooperative share loan? At Cardinal Financial, we have a dedicated team of co-op professionals to help you navigate the process confidently.

Call me today to see what’s possible with a co-op share loan!

http://www.cardinalfinancial.com/ginger.lynch

Today and every day, we're proud to honor Dr. Martin Luther King Jr.'s legacy of peace and equality for all.

Down payments can be a lot to pull together. That’s why we offer the Cardinal National Homebuyers Assistance program. This program provides up to 3.5% of the purchase price or appraised value of your home (whichever is less) via a 10-year second mortgage when paired with a 30-year FHA first mortgage.

Call me today to learn more!

http://www.cardinalfinancial.com/ginger.lynch

Got small home projects? Skip the contractor (and big credit card purchases) and go through a major retailer with EasyPath Reno. Learn more on our blog. https://www.cardinalfinancial.com/blog/easy-path-home-renovation-loan/

http://www.cardinalfinancial.com/ginger.lynch

Depending on your closing date, the amount of property tax a homebuyer and seller are responsible for will vary. We break down how to make the most of it on our blog.
https://www.cardinalfinancial.com/blog/how-to-pay-property-taxes-like-a-pro/

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So, you may not be able to take your pet on vacation with you. But with these pet-friendly features in your home, they'll be living that five star resort life regardless. https://www.cardinalfinancial.com/blog/pet-friendly-house/