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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
  • Deciding to have Mike help us with our new home loan was our best decision of the entire process. He fought for us on multiple occasions, was inventive in finding options for us that worked within our budget and was always available for any question we had. We don't plan on moving ever again, but… Seth and Christa Frederick - February 27, 2023
  • In a rapidly changing and worsening mortgage rate environment, Mike proactively worked to lock us in at the best possible rate. He always puts his customers’ needs first! He was a great reference throughout the home selling and buying process and was extremely easy to work with. His integrity and easygoing nature make him the… Brandy Neamonitis - October 22, 2022
  • Mike McCown is the kind of lender you want to have in your corner. He has a positive and encouraging personality combined with the expertise he has honed through the years in mortgage lending. His communication skills and performance for clients are second to none and I recommend him to all my buyers. I especially… Mark Snavely - October 14, 2022
  • Mike is such an amazing resource in the home buying process. He has such a wonderful skillset based on years of experience that I know I can trust. In an industry that sees so many professionals come and go; Mike is a solid lender with a strong moral compass that makes working with him a… Gia Anderson - October 4, 2022
  • Mike made the financing portion of purchasing our home smooth and easy to go through. We couldn’t have asked for a better loan officer with extreme focus on making sure his clients are taken care of from beginning to end and even after! Communication is key and Mike is nothing but amazing with his sense… Brian & Jennifer Bishop - October 4, 2022
  • I have had three different loans put together by Mike over the last four years and the experience exceeds a 5 star rating. Mike goes the distance on taking care of all your needs and cuts the time down to close substantially. Mike gives it to you “straight” and leaves no detail unaddressed. His attention… Chris Reed - October 3, 2022

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

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%

1%

4.5%

$
$

$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? Rates are historically low and 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

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

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