MUSCATINE, Iowa–Founded in 1987, Cardinal Financial Services has helped people in the Quad Cities and surrounding areas, including Muscatine County, secure mortgages on many different types of properties. For the past year, Tammy Ernst has lived in Muscatine County while continuing her 18-year career in the mortgage industry. She welcomes the opportunity to share her expertise with Muscatine County residents in all walks of life.

Well versed in the different types of loans available, Ernst can help people in many different situations. Along with offering conventional home loans and refinancing options, Ernst can also help veterans of any branch of the armed forces apply for Veterans Affairs loans. For those who may not meet the requirements for a conventional loan, Ernst can assist them with Federal Housing Administration loans, which require a smaller down payment. Anyone looking to build a home or renovate or restore a fixer upper can work with Ernst on construction or rehabilitation loans as well. Those specifically interested in purchasing a home in a rural area can also explore United States Department of Agricultural loans with Ernst’s guidance as well.

For those ready to start the process of getting a mortgage, Ernst welcomes them to begin an application on her website. For those who would like more guidance on what loan options would work best for them, Ernst invites them to reach out to her by calling 563-271-2624 or by emailing her at [email protected].

Throughout her career, Ernst has found that, “assisting people in their dream of home ownership,” makes her job well worth the time and effort she puts into it. To help reach more people and to make their experiences buying homes as smooth as possible, Ernst has found working with chambers of commerce extremely beneficial. Now that she has come to Muscatine, she looks forward to collaborating with the Greater Muscatine Chamber of Commerce and Industry. “I have been involved in chambers in other communities, and I moved to Muscatine County last year, so thought it would be a good opportunity,” she shared.

So far, Ernst has enjoyed her work in Muscatine County and relishes the opportunities she has to continue working with other families and individuals in the area as they navigate the challenges of purchasing a home. In what has proved a competitive market for home buyers, Ernst can provide the experience and knowledge to help buyers feel confident that they have made the best decisions for themselves. Going forward, she welcomes, “educating partners and clients on options that may be available that other institutions cannot offer.”