Whether you're buying your first home or refinancing for a better rate — I'll find you the right loan and close it fast.
You deserve someone who treats your mortgage like it matters — because it does. Here's what you get working with me.
I know Alaska lending — rural property quirks, USDA eligibility zones, VA loan specifics, and everything unique to our market.
Call, text, or email — I respond. You'll never wonder where your loan stands or feel left in the dark during the process.
Whether you're buying, building, renovating, or refinancing — Cardinal Financial has a loan program for your situation.
As little as 3% down with competitive rates. Great for buyers with solid credit looking for flexibility.
3.5% down with more forgiving credit requirements. Ideal for first-time homebuyers getting started.
Zero down payment for eligible veterans and active military. No PMI — ever. You served, you earned it.
Zero down for eligible rural Alaska properties. More areas qualify than you'd think — let's check yours.
Lower your rate, shorten your term, or cash out equity. Rate-and-term or cash-out options. Credit scores as low as 550.
Build your dream home — one loan, one closing for land, materials, and labor. 4 to 12-month builds. Cardinal handles draws in-house.
Roll renovation costs into your mortgage based on as-completed value. Use Home Depot, Lowe's, or Menards with EasyPath™ Reno.
Most lenders have left this market — Cardinal hasn't. Flexible financing with MH Advantage™. Common in Mat-Su Valley.
For high-value Alaska properties exceeding conforming limits. Borrow up to $1.5M+ with competitive rates. 10% minimum down.
Bank statement loans and flexible income verification for fishermen, contractors, oil workers, and small business owners.
Cardinal's programs help low-to-moderate income and first-time buyers cover down payment and closing costs.
Tiny homes, container homes, barndominiums, and condos. Financing options most lenders don't offer. Full in-house condo team.
No jargon, no runaround. Here's exactly what to expect.
We talk for 10 minutes. I learn your goals, run the numbers, and tell you exactly where you stand.
I handle the paperwork, coordinate with your agent, and keep you updated every step of the way.
Sign, get your keys, and move in. I'll make sure closing day is smooth and stress-free.
Real feedback from real Alaska homeowners.
"Derek made buying our first home in Anchorage so easy. He explained everything, responded instantly, and got us closed ahead of schedule."
"I refinanced and saved over $400/month. Derek ran the numbers, told me it was a no-brainer, and handled everything. Couldn't be happier."
"As a veteran, I wanted someone who actually understood VA loans. Derek nailed it — zero down, no PMI, and closed in 19 days."
No obligations. Just a straight answer on what you qualify for.
Get My Free Quote →Derek Huit, NMLS #203980 (NMLS Consumer Access) is a licensed Mortgage Loan Originator with Cardinal Financial Company, Limited Partnership, NMLS #66247 (NMLS Consumer Access). Visit the NMLS Consumer Access website at www.nmlsconsumeraccess.org for regulatory information about us. Licensed in AK, FL, GA, IL, IN, MI, MT, OK, TX, WA. Not licensed in New York. Equal Housing Lender. Not a commitment to lend.
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