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Mike McCown

Mike McCown

Sr. Loan Originator
NMLS# 1012613

(972) 814-4641 Email Me

Realize Your Dream of Home Ownership

Welcome to Cardinal Financial, I'm Mike McCown, your Texas home loan expert dedicated to making sure your home purchase or refinance experience is top-notch.

Contact Me Today! Apply Now!

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Loan Options

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What's Your Home Worth Today?

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Real Customer Experiences

Read Reviews
  • Mike's knowledge and experience was irreplaceable when buying our new home. Without Mike on our side I am not sure we could have made this purchase happen. We looked at a house on a whim the Saturday before Easter. We fell in love with the property and Mike got us pre-approved on short notice. Now,… Johnny & Courtney Nicholson - April 27, 2023
  • Mike is absolutely phenomenal! Very knowledgeable and patient (despite my tons of questions ) and funny! From the minute you meet Mike he makes you feel like he’s an old friend you’ve known for years . He makes sure that not only are you informed during the process but that you are comfortable with everything,… Bobby williams - April 27, 2023
  • Mike is definitely the guy you want for all of your mortgage needs!! He makes the process stress-free and is an extremely reliable source of information. He communicates clearly, is very knowledgeable, and I recommend him to my clients. Thankful to have him in the DFW area! Kyle Lawson - April 27, 2023
  • I used to think that Mortgage was boring until I met Mike! He really knows how to educate on everything from future approval planning to land purchases, to pool upgrades. I could talk to this guy for hours. I’m so thankful to have him as a resource. Cassie McDowell - April 27, 2023
  • Thank you for clearly explaining options, potential outcomes, and available actions. I need to be able to trust the person I work with and you inspire my trust. Thank you. Kimberly Stratman - April 27, 2023
  • Mike is the guy you want to talk to when it comes to mortgage or home loan desires for your life. He is extremely knowledgeable, friendly and easy to work with. Cannot recommend him enough! Jeff Haviland - April 27, 2023

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

4.5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in Texas? Now may be the right time to start saving money every month!

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

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Get in Touch

Contact Mike McCown

Mike McCown

5055 W Park Blvd Suite 300
Plano, Texas 75093
(972) 814-4641
NMLS# 1012613

Send an Email

X Mike McCown

If you have any immediate questions or concerns don't hesitate to give us a call @ (972) 814-4641

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