Home loans, handled like a local would — wherever you land.
VA, FHA, conventional, down payment assistance, and reverse mortgages — with straight answers, a clear plan, and one lender who picks up the phone. Serving buyers across the country.
Estimate your payment
Principal & interest only — drag the numbers to match the home you're eyeing.
For illustration only — not a quote, rate, or commitment to lend. Taxes, insurance, HOA, and mortgage insurance are not included and will change the actual payment.
Pick the lane that fits your life — not the other way around.
Every program below is one Derek writes every week for buyers across the country. Tap a program to see who it's for, what it takes, and the honest trade-offs.
VA Loans
All program details are general information, not a quote or commitment to lend. Final eligibility is determined at underwriting.
From first call to keys — no guessing where you stand.
Talk it through
A short call about your goals, timeline, and budget. You leave knowing your real numbers — not a sales pitch.
Get pre-approved
Documents in, credit reviewed, and a pre-approval letter sellers and agents actually respect.
Shop with a plan
Offer strategy built around your loan type — VA and FHA offers written to compete, not just to comply.
Close & move in
Clear updates through appraisal, underwriting, and closing — and a lender who still answers after you fund.
Led by Derek Huit — one lender, nationwide reach.
PMN Huit Group is Derek Huit's mortgage practice at Cardinal Financial. Derek works with buyers in every corner of the country — military families PCS'ing to bases from Fort Cavazos to JBLM, first-time buyers putting down roots, and homeowners planning their next chapter.
The approach is simple: explain the options in plain English, price the loan honestly, and communicate before you have to ask. No call centers, no handoffs — when you call, you get Derek.
The partner program behind the group.
PMN Huit Group gives agents nationwide a lending partner plus an AI marketing system, implemented into your business for you — built in, at no cost to join. It runs in your voice and handles the marketing end to end; you never have to touch the tech:
- Buyer Portal — a client-ready hub your buyers actually use, branded around you
- Client-ready rate alerts — market notes written in your voice, Derek as your lending partner
- Monthly content drops — posts, market notes, and buyer guides done for you
- Seller portal, workshops & review engine — tools to win listings and repeat business
How agents join
1. Send your name, brokerage, phone, and email.
2. Answer 10 short intake questions by email reply.
3. Your personalized setup pack is built within 24 hours — portal, guides, and first drop included.
No calls required. No fees. Built for agents anywhere in the country who want a lender who markets with them, not at them.
Three rules every loan here runs on.
Plain English, always
If a fee, a lien, or a trade-off is in your loan, you'll hear it from Derek first — including that down payment assistance is a repayable second lien, never “free money.”
Your market, understood
PCS orders, relocation timelines, rural properties, well & septic — the local details that stall loans elsewhere are planned for here from day one, wherever you're buying.
One human, start to finish
No ticket numbers and no “your loan officer has changed” emails. The person who pre-approves you is the person who closes you.
What buyers ask first.
Can I buy with a VA loan while PCS'ing to a new duty station?
Yes — it's one of the most common loans Derek closes. You can start the pre-approval before you arrive, use your BAH in the budget conversation, and time the close around your report date. Remote signings and power of attorney options can be discussed for deployed or traveling buyers.
Is the down payment assistance a grant?
No. Cardinal's national down payment assistance provides 3.5% or 5% of the price as a repayable second lien — it is a loan that must be repaid, not a grant and not free money. It has no income limit. Derek will walk through the repayment terms and total cost before you commit.
Where do you lend?
Nationwide. PMN Huit Group works with buyers and real estate agents across the country — from military communities near major installations to first-time buyers in any market. Wherever you're headed, the process, communication, and point of contact stay the same.
How much do I need down for FHA?
FHA purchase loans can start at 3.5% down for qualifying borrowers. Your exact down payment, mortgage insurance, and monthly payment depend on credit, debts, and the property — the estimator above is a starting point, and a pre-approval gives you the real numbers.
What should I know about a reverse mortgage (HECM)?
A HECM is a loan, not a government benefit, and it is not endorsed by the government. You remain responsible for property taxes, homeowners insurance, and home maintenance, and HUD-approved counseling is mandatory before you can proceed. Derek will go through the obligations and alternatives in full before any application.
I'm relocating — can we start before I move?
Yes. Most of the process — pre-approval, document gathering, rate and program strategy — happens by phone and email, so buyers relocating for work, military orders, or family reasons routinely start weeks before they arrive and close right on schedule.
Tell Derek where you're headed.
Call, or send the short form — it opens in your email app, addressed and ready, so nothing gets lost in a web form.
Talk to a person, not a portal.
907-244-9368Call or text. If Derek's with a client, you'll get a same-day callback.
Derek Huit
Mortgage Loan Officer · NMLS 203980
Cardinal Financial · NMLS 66247
Palmer, Alaska · Serving clients nationwide
Domain: pmnhuitgroup.com