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Direct mortgage lending · Personally licensed in 9 states

Get pre-approved
in minutes.
Close in 30 days.

Straightforward home loans from a lender who’s actually closed $800 million of them. No callback games. No bait-and-switch. Just real numbers, fast answers, and a process built for humans.

Start my applicationGet the free buyer guide

Your loan officer

Derek Huit

NMLS #203980

Experience
18 yrs
Originated
$800M+
Licensed states
9
Pre-approval
24 hrs
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Full licensing breakdown →
Derek Huit · NMLS #203980Cardinal Financial · NMLS #66247Equal Housing Opportunity

Ways to work together

Whatever kind of loan you need — I’ve probably closed hundreds of them.

Purchase

First home, move-up, or investment. FHA, Conventional 97, VA, and USDA programs. Down payments from 0% to 20%.

Apply for purchase →

Refinance

Lower your rate, shorten your term, or pull equity to eliminate high-interest debt. Break-even analysis first — no waste.

Apply for refinance →

VA & Military

Zero down, no PMI, and seller-paid closing costs. Active duty, veterans, and qualifying surviving spouses. No funding fee for disabled vets.

Apply for va & military →

Licensing, in plain sight

Who’s licensed where — exactly.

Two licenses matter on every loan: your loan officer’s and the lender’s. Here are both of mine, state by state, with links to verify each one at NMLS Consumer Access.

Loan officer

Derek Huit

NMLS #203980

Personally licensed to originate mortgage loans in 9 states:

  • AKAlaska
  • GAGeorgia
  • ILIllinois
  • INIndiana
  • MIMichigan
  • MTMontana
  • OKOklahoma
  • TXTexas
  • WAWashington
Verify #203980 on NMLS →

Lender

Cardinal Financial Company, LP

NMLS #66247

Licensed in 49 states — every U.S. state except New York. Loans I originate are funded and serviced through Cardinal.

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Derek + Cardinal Cardinal onlyNY Not licensed
Verify #66247 on NMLS →Cardinal state licensing →

I personally originate loans in the nine states listed above. This site is not authorized by the New York State Department of Financial Services, and no mortgage loan applications for properties located in New York will be accepted through this site.

Free guide

The First-Time Homebuyer Playbook.

14 pages. No fluff. Everything you need to go from curious to closed — credit prep, pre-approval docs, the 28/36 rule, loan program comparison, real costs, the 30-day checklist.

  • →The exact docs to gather before applying
  • →FHA vs Conventional vs VA vs USDA — side by side
  • →Real closing costs for a $350k home (every line item)
  • →The 5 mistakes that kill first-time buyer deals
  • →A printable 30-day pre-approval checklist

The process

Three steps. One loan officer. Zero runaround.

01

Apply

Ten-minute online application. Soft credit pull, secure document upload.

02

Review

I personally review every file — same day. You get a real pre-approval letter within 24 business hours.

03

Close

Cardinal Financial underwriting on the Octane platform. Most purchases close in 21–30 days.

Ready when you are

Start your application in the next ten minutes.

Soft credit pull. Real pre-approval. No obligation. If I can’t get you qualified, I’ll tell you exactly what to work on and when to come back.

Start my applicationOr grab the free guide first →