Here's how REFI365 protects your future.
Step 1
Take advantage of your home equity with a cash-out refinance now. Those flexible funds can cover renovations, budget relief, and more.
Step 2
If rates drop in the next 12 months, you can refinance again and we’ll cover your origination and credit report fees, in addition to a $500 appraisal credit.
Step 3
Rest easy. Refi365 is your built-in safety net if rates drop.
Why You'll Love REFI365
- Cash-out refinance now, without second-guessing
- Refinance again later with no origination fee, no credit report fee, and a $500 appraisal credit
- Access your home equity with confidence
What to expect
from your Cardinal Financial® refinance.
“They make the process very smooth and secure. Very professional people and easy to reach any time. I highly recommend them.”
“From start to closing day I felt 100% supported.”
“We were worried about working with someone entirely online and she made it feel as though she was someone we actually knew and could trust.”
- [email protected]
- 877.372.3547
- 3530 Toringdon Way, Suite 200, Charlotte, NC 28277
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Cardinal Financial Company, Limited Partnership (NMLS ID 66247). Copyright © 2025 Cardinal Financial Company, Limited Partnership. All trademarks and trade names are the property of Cardinal Financial.
Refi365 Terms & Conditions
Refi365 is a limited-time offer available to borrowers who start a refinance application at www.cardinalfinancial.com/Refi365 or my calling 877.372.3547. If interest rates drop after the initial refinance, the borrower may qualify for a second refinance with no lender origination fee, no credit report fee, and up to a $500 appraisal credit.
To qualify, the first loan must be a cash-out or rate-and-term refinance closed with Cardinal Financial. The subsequent loan must be a refinance on the same property. First and second lien loans are eligible; HELOCs are not eligible. The borrower must meet eligibility requirements and the subsequent refinance must close within 12 months of the initial loan. The Refi365 promotion is subject to individual product seasoning requirements (amount of time a borrower has had a mortgage before eligible to refinance). If these requirements fall within the 12 month promotion period, the promotion may be extended.
For eligible second (subsequent) refinances, Refi365 offer includes no lender origination fee and any credit report fee is paid by Cardinal Financial. Appraisal fee will be paid upfront by the borrower with up to a $500 lender credit at closing. Other closing costs may apply.
Offer valid for new applications submitted through the Refi365 website or calling 877.372.3547 only; not applicable to loans already in process. The first refinance must close by December 15, 2025. Both loans must be originated and closed with Cardinal Financial. This is not a loan commitment. Loan approval is subject to borrower credit, collateral, financial history, and program availability. Refinancing may result in higher total finance charges.Terms are subject to change and promotion can be closed out at any time without notice.