Keeping Families in their Homes Facing foreclosure could be the start of a new future

Cardinal Community

Recent Testimonials

"Cardinal is a unique mortgage investment opportunity in that not only does it provide outstanding security investments for investors but it serves a dual purpose of helping Canadians stay in their homes. It's just terrific to see a company that has a model where both the investor and the client win."

Financial advisor - Ottawa, Ontario area View all testimonials

From the Blog

Mixed Housing Market Signals – Where is it all Heading?

David Hamilton August 12th, 2013

For analysts, let along homebuyers, trying to follow where the housing market is heading these days is an exercise in speculation, doom and gloom, uncertainty, and wishful thinking. The signals in and around housing are contrary to each other, and these mixed messages suggest that no one really knows what can happen. So let’s look Read more…

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From the Blog

Can I Still Invest in Real Estate?

David Hamilton October 22nd, 2013

  For the small investor, real estate has always had an attraction. Most of us understand how it works – at least on a basic level – because we’ve purchased our own homes before. Unlike many alternative investment products (art, gemstones, comic books!), we “get” real estate. But with the markets in flux and banks Read more…

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Recent FAQ'S

How does the Cardinal Refinance Program work?

Cardinal has designed a careful qualification process. People who are unable to qualify for mortgage financing sell their homes to Cardinal selected investors, lease it back for a three year period and repurchase their home at an up front agreed-to price after re-establishing their financial stability.

Equity that exists in the home is leveraged to reduce the purchase price and therefore the lease payments for the client. In addition, a minimum of 12 months of lease payments are held in reserve.

While Cardinal does not offer credit counseling, we can recommend clients to accredited debt-reduction specialists. After three years, the client can secure their own mortgage and buy their home back from Cardinal at the agreed-to price.

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