Loan Officer Profile
About MeI'm a mortgage industry expert, experienced vet, and a top level producer. I pride myself in not getting paid a dime unless I help you accomplish your goals. All the advice I give comes from nearly ten years of helping others accomplish their dreams. My customers are my family and if I cant help them I never waste their time. I'll always do the ethical thing even if that means me standing up for the customer against my employer. I will never steer you in any wrong direction to pad my pocket book. Ultimately, my goal is to be your loan officer for life and be the expert you send all your family and friends to. At Cardinal we offer just about every loan product out there. We even have special loan products for Self-employed individuals who might have a hard time showing enough income. Please reach out to me so we can explore all your options. I look forward to working with you!
Recently Answered Questions
Jimmy, some programs don't have any requirements. We may be able to streamline depending on your current loan. Most programs are cut off at 620-640 FICO. We can actually do FHA and VA down to 580. If you need any assistance I'm licensed in your state and would love to help.
Most lenders do any FHA mortgages under 620-640 on the FICO score. We can do it as low as 580. If your still looking please reach out so we can determine how we can assist.
Ratings & Reviews
Loan Officer ReviewBala from Frisco, TXRecommended!
Amazing experience with my first home purchase!
I had an amazing experience working with Joshua for purchasing my first home. He was able to find me the best mortgage interest rate and he provided me with the best customer service. He is knowledgeable and answered all questions I had. Joshua and his team were able to fully approve my mortgage a week before my closing date. He did a great job explaining to me all of the Closing Disclosure documents. The whole process was incredibly smooth and stress-free. I will definitely recommend Joshua to all of my friends and family shopping for a mortgage... Read MoreLoan Officer ReviewTom from Hudson, FLRecommended!
Definitely USE JOSHUA HEINZ!
Joshua was the one mortgage broker that gave me the time of day and cared enough to attempt refinancing my home after finding out my credit was destroyed. He was patient and informed me I'd have to take care of a few things and that he would call me back when my on time payments showed a full year. After a few months we were on our way. Josh was awesome. My good friend, a realtor, couldn't believe I was doing this online and from a person I never that was in Texas. Nobody locally would or could help me. While I was nervous as well, Josh and Cardinal were awesome and made everything happen just as I needed. Except, that I would have to carry mortgage insurance for 10 years! That hurt a little, but I desperately needed the Refi so I dealt with it. I highly, did I say HIGHLY recommend Josh and CardinalFinancial for all of your mortgage needs. FYI, I waited a couple months to complete this review to ensure I would still feel the same way and I do.... Read MoreLoan Officer ReviewNancy from Spring, TXRecommended!
Great Team and Communication
Joshua and the entire team at Cardinal Financial were great to work with and communicated very well. I found them to be very knowledgeable and answered all questions I had. They gave me the best interest rate of any lender I talked to. Once I submitted all the required paperwork, we closed on my home refinance in a few days. I enjoyed working with Joshua, Megan and all other members of the Cardinal Financial team and would definitely recommend them... Read MoreLoan Officer ReviewJody from San Angelo, TXRecommended!
This was our first refinance experience and we were very nervous about it being online. However, Josh was over and beyond what we could have expected. He was always willing to help day or night and made sure we were always happy with the progress. We will absolutely be using Josh in the future if need be & highly recommend him to others!Loan Officer ReviewGrrald from Clermont, FLRecommended!
Joshua was very responsive and did exactly what he said he would do. From our first contact we closed on refinance in 27 days. Excellent job!!Loan Officer ReviewMark from Kingwood, TXRecommended!
A very, very happy Homeowner
Everybody's situation is unique and ours was no exception. While being told "sorry, we will not be able to help you at this time", Cardinal Finance's Joshua Heinz said "no problem, we can help". Joshua was the consummate professional, very patient, and extremely knowledgeable during the entire process (which only took less than 3 weeks to conclude). We would highly recommend Joshua to any one seeking mortgage or refinancing needs.... Read MoreLoan Officer ReviewStephen from San Antonio, TXRecommended!
excellent customer service
Joshua Heinz loves his job as a loan officer. It reflects on his sense of humor and passion when you engage him in discussion. He is very knowledgeable of the subject matter of refinancing and mortgage loans. He has an excellent customer service skills and he makes sure you get the full explanation of your question. Joshua answers his phone and if for any reason he cannot, he will send you a text message. I will recommend anybody looking for a reputable finance company to contact cardinal financial company because of Joshua and his team.... Read MoreLoan Officer ReviewBubba from Flower Mound, TXRecommended!
Josh is the REAL DEAL MORTGAGE MAN!
Josh was real quick, real to the point and real with me from start to finish. I seen a lot of fake advertising and promises. I didn't get none of that from Josh. I appreciate it more than you know, man. I got what you promised and you answered the phone when I called. THANK YOU and GOD BLESS!Loan Officer ReviewBeth from Anniston, ALRecommended!
Joshua was great!
Joshua was great. He was very Knowledgeable and was always there when I needed him. I had a great experience and this was my 1st time doing this over the phone. I will certainly use him again in the future.
Joshua S Heinz Response
Thanks Beth for the kind words. I value your business and look forward to the next time.Loan Officer ReviewKristin from Austin, TXRecommended!
I had a good experience with Joshua and Cardinal. Everything went smoothly and closing was less than 30 days. I was nervous about dealing with someone online and you made me feel comfortable from the very beginning. Well done.
Joshua S Heinz Response
Kristin, You were a pleasure to work with. Thank you for taking the time to fill this out.I'm a mortgage industry expert, experienced vet, and a top level producer. I pride myself in not getting paid a dime unless I help you accomplish your goals. All the advice I give comes from nearly ten years of helping others accomplish their dreams. My customers are my family and if I cant help them I never waste their time. I'll always do the ethical thing even if that means me standing up for the customer against my employer. I will never steer you in any wrong direction to pad my pocket book. Ultimately, my goal is to be your loan officer for life and be the expert you send all your family and friends to. At Cardinal we offer just about every loan product out there. We even have special loan products for Self-employed individuals who might have a hard time showing enough income. Please reach out to me so we can explore all your options. I look forward to working with you!