Get a $5,000 closing guarantee so you can buy your house with confidence.

Today’s housing market is tough. Make your offer stand out and close on your new house without any surprises.

Buying a house can be stressful. I believe the lending process shouldn’t be.

We have a predictable and reliable process to ensure there are no surprises so you can close on your house.

When you feel confident about your loan, the home buying process is much more enjoyable.

You’ll get an excellent rate, and I’ll personally walk you through every step of the process and answer all of your questions.

I look forward to talking with you!​

Finding a home can be hard. 

Make sure that your offer has the best chance of getting accepted.

In today’s competitive market you need to make your offer stand out or risk it getting ignored or rejected.

The Benefits of a $5,000 Closing Guarantee

How to Win When There are Multiple Offers on The House You Want

It’s no secret that today’s housing market is tough. We know that buyers are often nervous when they place an offer on a house and wonder if it will get accepted. With the average home going under contract in just a few days, multiple offers are common. 

When you’re in this situation, it’s hard to stand out from all of the other offers without some competitive advantages. 

What many people don’t realize is experienced real estate agents always consider a local lender to be more reliable than a massive mortgage mill.

Why? These giant mortgage companies have a goal to process as many loans as possible so sometimes, they’d provide wrong advice. They tend to spend less time reviewing applications and often have less experienced loan officers which results in mistakes, delays, and lack of communication. 

How We’re Different

We know home buyers are often frustrated by the poor advice, lack of communication and unpleasant last minute surprises they encounter during the lending process. Stories of expensive guideline mistakes, AWOL loan officers and disastrous last minute closing delays are much too common in the mortgage industry.

We have developed predictable, reliable systems to ensure our clients get customized, expert advice with tons of communication.

You can be confident that your loan will get processed quickly and efficiently without mistakes or delays.

The Advantages of a Loan from a Trusted Local Lender
The Advantages of a Loan from a Trusted Local Lender 


You’re backed by our outstanding reputation


We communicate with the listing agents to ensure your offer is presented in the best possible way


With our $5,000 closing guarantee, your offer has the best chance of getting accepted

Not all Loan Qualifications are Created Equal

The Guaranteed Closing Process




Guarantee Certificate Example

*Offer applies to the loan product set forth on the pre-approval letter referenced above and is good for a one-time payment only. Payments shall be made within 15 days of the formal loan denial. In order to qualify for this Closing Guarantee, all of the following must apply:

  • All conditions listed in the borrower’s pre-approval letter must be met;
  • The loan must close by the expiration date listed on the pre-approval letter or the borrower must qualify for an extension and the loan must close by the extended expiration date; and
  • This guarantee is not valid if borrower or sellers choose not to close this loan or if the delay is caused in whole or in part by reasons beyond Peoples Home Equity’s control. 

This offer is void where prohibited. Information is subject to change without notice. This is not an offer for extension of credit or a commitment to lend. Subject to credit and underwriter approval. Peoples Home Equity, NMLS# 63371.  Equal Housing Lender.


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Our Pledge To You

Our Team

Tim Arrowood

Tim Arrowood

Branch Manager / Mortgage Adviser

NMLS # 393468

Paul Arrowood

Paul Arrowood

Mortgage Adviser

NMLS # 1940746

Misty Hill

Misty Hill

Marketing Representative

Audrey Turnage

Client Coordinator

Meghan DuVall

Meghan DuVall

Branch Operations Manager

NMLS# 1569538

Niki Gladson

Niki Gladson

Administrative Assistant

You Can Start Today

We’re here for you. You’ll get expert advice and we’ll guide you through each step of the process.
Our goal is to give you an amazing lending experience and build a lasting relationship.

Contact us

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Cardinal Financial Company, Limited Partnership, dba Peoples Home Equity (NMLS ID 66247)
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