Headshot of Tony Cardinali

Tony Cardinali

Branch Manager

The Cardinali Team

NMLS #21336

Adress
515 Groton Rd., Suite 102 Office 21
Westford, MA 01886
Contact Methods
Email
tel Phone
978-577-5402
fax Fax
978-577-5402
Apply Now

Awards

Scotsman Guide 2024 Top Originator Award
Inc. 5000
Top Work Places
Weatherhead 100
Top Mortgage Lender badge
Mortgage Bankers Association Member

About Tony

Having a home you can truly call your own is a big step toward achieving your financial goals. I have the knowledge, experience and loan options that will get you there. I'm also flexible and creative enough to make the mortgage process faster and easier for you, even if your situation is a bit complicated.

Whether you're buying or refinancing, I will:

  • Explain every detail of your home loan.
  • Keep things on track through every step of the process.
  • Make sure you get to the closing table as quickly as possible.
I look forward to earning your continued business and referrals with a higher level of service than any other loan officer out there!

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans
Equal Housing Opportunity

Tap into your
home equity - fast

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity.

With CCM Equity Express, the process is fast, secure, and fully automated. Simply take 5 minutes to apply and get 100% of your loan amount in as few as 5 days.

A potential first-time homebuyer looking at down payment assistance options on a laptop with her cat

Down payment assistance

Turn years from now into today

 

Saving for a down payment can be a challenge, we get that. With our variety of down payment assistance (DPA) programs for conventional and FHA loans, you could buy a home with little or no cash.

For most of these programs, one buyer must be a first-time homebuyer, and homebuyer education and other requirements may apply.

We make home happen. Contact me today to see which option is best for you.

Learn more

Homeowners planning renovations for their home

Make any home your dream home

Tired of leaving open houses without finding “the one?” With a renovation loan, you can bring your ideas of the perfect home to life!

Here’s how:

  • Finance the costs of buying and upgrading a home with one loan, so you can purchase an imperfect but good (and probably less expensive) house and add your personal touch.
  • Refinance the cost of home improvements to get the benefits of moving without the packing and unpacking, figuring out new utilities…
    you know the hassle.

Learn More

Recent Posts and Articles

Blog

  • How to Get the Lowest Rate on Your HELOC
    Published on

    How to Get the Lowest Rate on Your HELOC

    Today I want to share how you ask can consult with your lender to get the best rate possible. To hear more about this, watch this short video.

  • A screenshot from the handling items to be left by the seller video
    Published on

    Handling Items To Be Left by the Seller

    When you're buying or selling a home, you need to know how to structure a contract when personal property is being left behind by the seller. What we're talking about today are called interested party contributions in a real estate contract, and they can come in two forms.

  • Can you use ret to pay your mortgage?
    Published on

    Can You Use Rent To Pay Your Mortgage? Your Tenant’s Rent Can Help Pay the Mortgage!

    So your goal is to keep your current home and rent it out after you move into a new one. The question I frequently receive about that is whether you can use your tenant’s rent to pay the mortgage on the rental property.

  • tony cardinali mortgage recasts
    Published on

    Mortgage Recasts Explained

    You want to buy a home, but you can’t put as much down as you’d like because your equity is tied up in your old property. If you’re in this situation, don’t worry—you aren’t alone. Today I’ll share a method you can use to lower your monthly payment after closing without putting more money down up front.: a mortgage recast. 

Helping your home financing process go smoothly.

Resources

  • The Mortgage Process

    The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

What Our Clients Say

Tony and his team are already doing a great job. Highly responsive and professional team.
Avinash M.
Tony and his team worked very hard to make a difficult process bearable. I would definitely work with Tony again!
Michael L.
Tony and his team were responsive and made our refinance a smooth process from application to closing day. We also used the team when we originally purchased our home and we trust our friends and family with him as well!
Melvin L.
The team was great to work with. The process took a long time due to a past loan that had never been properly closed. The on-line closing was great. Thanks to Tony, Kat and the team.
Barbara C.
Really great experience. I felt like I had a good team of people working to get my mortgage done right
Joanna N.
I was updated and appraise all of the time of the progress and never felt I wasn't well informed. The folks were extremely helpful in making a difficult process easier.
Jacqueline E.
I could not be anymore happy with the process. Time was taken to explain and go over all my details until I understood what was going on. When a problem arose the team took the time, no matter how long, to make sure I understood what was going on and what was needed.
Christopher W.
I can't thank everyone enough (Tony, Kat, Amanda, Eliza and everyone else who had a part in our refinancing) for their kindness, professionalism, and patience in dealing with me these last 3 months! I will DEFINITELY refer your office to anyone I know who's searching for a great mortgage company.. THANK YOU!
Ellen H.
CrossCountry Mortgage provided an outstanding experience. I am a very busy healthcare provider and I was able upload documents when it worked for me. When I was working on Nantucket they were able to arrange for my refinance closing on the island! Their responses were timely despite how busy they were with how hot the housing and refi market is because of low interest rates. I recommend them without reservation for all your mortgage needs!
Beth-Ann N.

Inspiration for your home loan journey.

GALLERY

Your Mortgage Expert

A Lender You Can Trust

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