Derek Huit · NMLS #203980 · Cardinal Financial
Derek Huit — Alaska Mortgage Expert
Straightforward terms. Fast closings. For 18 years, Derek Huit has helped Alaska homebuyers get clear answers and close with confidence — no jargon, no surprises.
Licensed in: AK · FL · GA · IL · IN · MI · MT · OK · TX · WA
Loan programs that fit your situation
Every borrower is different. Derek will walk you through the options and help you choose the loan that fits your goals, timeline, and budget.
VA Home Loans
For eligible veterans, active-duty service members, and surviving spouses. A benefit you earned — Derek makes the process clear from pre-approval to closing.
FHA Loans
A flexible option for first-time buyers and borrowers with limited savings or past credit challenges.
Conventional Loans
Strong terms for well-qualified buyers, including options with low down payment requirements.
Jumbo Loans
Financing for higher-value homes above conforming loan limits, structured around your full financial picture.
Down Payment Assistance
Cardinal's national down payment assistance program offers 3.5% or 5% as a repayable second lien, with no income limit.
From first conversation to closing day
A simple, predictable process — you'll always know what happens next.
The conversation
A quick call to understand your goals, timeline, and the home you're working toward.
Pre-approval
A real pre-approval based on your full financial picture — so you can shop with confidence.
Find your home
Make an offer backed by a strong pre-approval, with Derek available to your agent along the way.
Close
Clear communication through underwriting and a smooth closing day. Straightforward terms, start to finish.
Common questions
How do I start?
Start your application online through Cardinal Financial, or reach out directly. Derek will review your situation and lay out your options in plain language — no obligation.
Do I need perfect credit to buy a home?
No. Different loan programs have different credit requirements, and there may be more options than you expect. A conversation is the fastest way to find out where you stand.
How does down payment assistance work?
Cardinal's national down payment assistance program provides 3.5% or 5% of the purchase price as a repayable second lien, with no income limit. It is repaid — it is not a grant or gift.
I'm a veteran. What should I know about VA loans?
VA loans are a benefit you earned through service. Derek works with veterans, active-duty members, and surviving spouses regularly and can walk you through eligibility, entitlement, and the steps to closing.
Which states do you serve?
Derek Huit, NMLS #203980, is licensed in Alaska, Florida, Georgia, Illinois, Indiana, Michigan, Montana, Oklahoma, Texas, and Washington.
Ready to talk about your next home?
Start your application online, or reach out directly — straightforward answers, no pressure.
Start My ApplicationSoft credit pull. Real pre-approval. No obligation.