Cardinal Financial Mortgage Payment Options

Cardinal Financial Mortgage Payment Options
Updated - 2022.05.12

Cardinal Financial Mortgage offers home equity loans, second mortgages, and reverse mortgages. Whether you’re looking for a fixed or adjustable mortgage, they can help you find one to suit your needs. Cardinal Financial allows you to make a mortgage payment according to your schedule. You have the option to set up automatic payments or make payments manually. Find out the different Cardinal Financial mortgage payment options available for you.

These free online calculators can help you to find out how much your monthly payment on Cardinal Financial Mortgage will be:

Create an Online Account to Make Your Cardinal Financial Mortgage Payment

Cardinal Financial Mortgage Payment

Like most people, you probably look forward to paying your mortgage every month. But you may procrastinate a little, especially if you’re busy or tired. However, you can make this task easier, faster, and less painful.

These online services make it easier to pay bills, make other financial transactions, and pay your mortgage. Creating an online account for making your Cardinal financial mortgage payment could be a good idea for saving time and effort. To create your Cardinal Financial account, follow the following instructions:

  • Go to your browser and key in the following link: https://www.cardinalfinancial.com/make-payment/
  • Move your cursor to the tab on the right side of your screen and click on Create Account
  • You need to enter the following information before you proceed with the registration. 
    • Your Loan Number. That is the 10-digit number you get on your payment coupon or the mortgage statement.
    • The last four digits of either your SSN or Tax Identification Number
    • Your property Zip Code
  • You will also be asked to confirm that you are not a robot by checking the box and taking the reCAPTCHA test. When you complete all four regions, the NEXT button will change to color blue from gray to indicate completion. To proceed with the registration procedure, click the NEXT button.

Terms and Conditions set by Cardinal Financial

  • Under the POLICY AND TERMS OF USE title, ensure you:
    • Read the terms of use and check the I agree to these Terms of Use box.
    • Read the privacy policy carefully, and if you agree with it, you can check the I have read, understand, and acknowledge receipt of the privacy policy box
  • Under the CONTACT METHODS AND E-STATEMENT POLICY title:
    • Read the Electronic Communications Policy and check the corresponding box if you agree with it
    • Go through the E-statement Policy and check the box if you agree with it
  • Click on the NEXT button

Online Registration

  • An online registration form appears on your screen. You need to provide the following information:
    • Username. 
    • Your Email address
    • Re-enter your email address to confirm
    • Your password. The password should be at least ten characters in length and contain at least one uppercase letter, one lowercase letter, and at least one number. 
    • Re-enter your password to confirm you’ve entered the correct one.
    • Click on the SUBMIT.
  • Follow the instructions to complete the registration process.
  • A confirmation message appears on your screen informing you that your registration is complete. Click on the BACK TO LOGIN button.
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Log into Your Account to Make Cardinal Financial Mortgage Payment

With your Cardinal Financial account, you can keep track of your account and ensure that everything is in order. So log into your Cardinal Financial account today to ensure everything is going on well. To log in to your online account, follow the steps highlighted below:

  • Enter the following link into your browser: https://www.cardinalfinancial.com/make-payment/
  • Move your cursor to the left of your screen and click on the Sign In button
  • Enter the following details:
    • Username
    • Password
  • Click on the LOGIN button
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Other Cardinal Financial Mortgage Payment Options

Cardinal Financial Mortgage Payment

Cardinal Financial has all its clients’ needs at heart. Therefore, it offers flexible payment options that give its customers a great customer experience. So, if you are not apple to use your computer to make your payments for any reason, you can use the following payment options:

Cardinal Financial App

Cardinal Financial offers its clients the possibility of tracking and making their payments through their mobile devices. You can download the app on:

Android: play.google.com/store/apps/

iOS: apps.apple.com/us/app/your-mortgage-online/

Pay by Mail

It’s possible to send your Cardinal Payments to the address:

Cardinal Financial Company,

Limited Partnership

P.O. Box 0054

Palatine IL, 60055

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Cardinal Financial Mortgage Payment Questions and Answers

What address should I use to send my first payment?

If you want to send your first payment, you can send it to Cardinal Financial Company, Limited Partnership, Post Office Box 0054, Palatine, IL 60055. You need to pay your first payment via regular postal mail. After that, you can make all of your payments online once you’ve created an account. If something changes, Cardinal Finance will notify you as soon as possible.

Are there any consequences for paying off a mortgage early?

Cardinal Financial does not charge you any fees if you decide to make additional payments to your mortgage loan to reduce your outstanding loan balance. It considers your efforts to make extra payments a sign of commitment, and they cannot penalize you.

How can I find out how much money I owe on my loan or how much interest I’ve paid for it?

Existing Cardinal Financial customers can log in and view their account information on the Dovenmuehle Mortgage, Inc. website.

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What to Do if I Made a Late Cardinal Financial Mortgage Payment

Cardinal Financial Mortgage Payment

It’s a good idea to avoid a late Cardinal Financial mortgage payment at all costs, but mistakes sometimes happen. While you don’t want to be too hard on yourself if this happens, you need to consider possible consequences. Case in point: you could see your credit score take a hit if you don’t make payments on schedule. Also keep in mind that late mortgage payments may remain on your credit report for as many as seven years, which would adversely impact your credit score. What follows is a look at 3 proven strategies you can use to have late mortgage payment information scrubbed from your credit report.

Option #1: Contact Cardinal Financial Mortgage and Make Request

Reach out to Cardinal Financial mortgage by phone right away, and acknowledge that your payment was submitted past the deadline. It’s important to admit you were in error. Let them know when they can expect payment. They may be willing to delete your late payment data so that your creditworthiness doesn’t suffer.

Option #2: Write Them a Letter

The next option at your disposal is to write a letter, known as a goodwill letter, to Cardinal Financial Mortgage. In the letter, you’ll want to specifically and respectfully request a removal. Do these 2 things in the letter:

  1. Demonstrate that you accept that the situation was caused by you.
  2. Guarantee that there will be no repeat of the delinquent behavior going forward.

What follows is a sample letter template you can use as inspiration:

[Your first and last name] [your address] [your account number]

[date]

To Whom It May Concern:

I appreciate your taking the time to read my letter. The reason for this correspondence is that I found on my latest credit report a late payment listed on [date] for my [name of account] account. I’m aware of the importance of making timely payments and meeting my financial commitments. But due to [situation that led to the missed payment], I unintentionally missed the payment due date. Although I missed the deadline, I have since then taken measures to ensure this does not happen again. Specifically, I’ve [explain what has changed that will prevent any additional late payments]. Since my missed payment, I have had a flawless record of making payments on time.

One reason I’m making this request is that my intention is to apply for a [loan, credit card, etc], and I’ve come to understand that the missed payment reflected on my credit report could jeopardize my objective. Given the fact that my single late payment does not adequately reflect my creditworthiness and intention to abide by my financial obligations, I would be grateful if you would make a goodwill adjustment. This would delete my late payment on [date] and enable me to obtain a [loan, credit card, etc.) and to secure a better rate.

I appreciate your considering this matter, and I hope you will grant my request.

Best regards,

[your name]

Option #3: Make Them an Offer

Another option is to contact Cardinal Financial Mortgage and make them an offer they can’t refuse. Lenders prefer to have people opt for automatic payments – so that payments are made on time, all the time. If you’re willing to sign up, the lender might be persuaded to scrub the late payment from your credit report as a goodwill gesture. Cardinal Financial Mortgage may, if you do not wish to sign on for automatic payments, recommend another way for you to potentially get your late payment erased from your credit report.

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How to Avoid Late Cardinal Financial Mortgage Payments

 Mortgage Payment

When you do get approved for a Cardinal Financial Mortgage loan, you’ll want to avoid any late payments. Here are a few tips that will help you steer clear of making untimely payments.

Tip #1: Sign Up for Auto-Pay

Your first order of business is to set up an automatic payment option, and you can do this either through your bank or through your lender. You’ll want to go with the most ideal option for you.

Auto-Pay - the Pros:

  1. You can avoid late payments and any resulting late fees. This will, in turn, ensure a healthy credit score.
  2. You can do your part to protect the environment with paperless billing.
  3. You won’t have to deal with any expenses relating to postage as you won’t need an envelope or a stamp, and you won’t have to fill out a check since auto-pay is done via electronic funds transfer.
  4. You will save time since auto-pay is convenient. No more will you have to take the time to sit down, write up a check, write your address and the address of the mortgage lender on the envelope, put on a stamp, and put the envelope in the mail. With auto-pay, you can automate the entire process of paying bills.

Auto-Pay - the Negatives:

  1. You could, if you’re not monitoring the inflows and outflows of money in your bank account, overdraw your account. In order to avoid any problems, just keep track of how much you have in your account at all times.
  2. You could potentially overlook things like errors, interest rate hikes, or other hidden fees. This can be avoided by simply making it a habit to go over your bill.
  3. You could fail to stay on top of things such as the amount owing or the amount you’re paying monthly. As has been mentioned, you can steer clear of such problems by checking into your account regularly. This will help you to know when it might be a good idea to made additional payments to reduce the principal quicker.

Tip #2: Sign Up for Alerts and Reminders

Receiving a notification for an upcoming bill payment can make all the difference. You can get this by using an app, by getting your mortgage company to send an alert or reminder by email, or even by using Google calendar. You’ll be able to avoid late payments by doing so

Tip #3: Set Up a Bill Pay Day

Another option is to purposefully schedule a period of the month when you can commit to making bill payments. When you go this route and have a system in place, you will avoid late Cardinal Financial mortgage payments.

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Customer Service

Customer Support: 

855.561.4944

Customer Assistance: 

877.604.7294

Cardinal Financial Address:

3701 Arco Corporate Drive, Suite 200
Charlotte, NC 28273

Cardinal Financial Email: [email protected]

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Facebook: www.facebook.com/cardinalfinancial/

Twitter: twitter.com/cardfinancial

Linkedin: www.linkedin.com/company/cardinalfinancial/

Instagram: www.instagram.com/cardinalfinancial/

Youtube: www.youtube.com/channel/

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