South Jordan, Utah
United States


Mortgage Loan Officer Christine Cardamon, with New Penn Financial, recognizes that you are more than a number and a statistic. You are a unique individual in pursuit of something more than the American dream; you are in pursuit of your dream. With over 30 years of experience in the financial services industry, she has the necessary experience to help you leverage your home equity to ensure you are on track to achieve both your short-term and long-term goals. She has worked with hundreds of people just like you, meeting them in their homes and getting an intimate sense of what they need before walking them through the program that will best serve them. Her unique approach to a cumbersome process makes it as fun and easy as possible.


Christine recognizes that one of the most common frustrations is not knowing where you are in the process. She and her team use leading technology to ensure maximum transparency so that you can get real-time updates on your process straight from your phone at any time.  

New Mortgage

If you’re looking to purchase a new home, the best time to call Christine is today, whether you have already talked with a realtor or not. Ideally, she will be your first call so that you know exactly what you qualify for when you’re looking for your next home. In this way, you can avoid future surprises and ensure that your mortgage is going to be in line with your financial goals both in the short term and the long term.  


Christine can help you refinance your home for maximum financial leverage. Your mortgage can be up to 30 years long. Your financial goals are likely to change over that time, so it’s important to reevaluate where you are and where you want to be from time to time. Perhaps you want to:

Cash out equity to pay for your child’s college tuition

  • Save money with a lower interest rate

  • Shorten the term of your loan and pay less interest over time

  • Remove your mortgage insurance to save hundreds of dollars each month

There are many ways to leverage your home as an asset. Find out which programs will allow you to reach your financial goals the fastest.

Save up to $500 Per Month

Did you know that you may be spending hundreds of dollars each month that you don’t need to? If you paid less than 20% down when you got your home loan, you are required to carry mortgage insurance until you have accumulated 24% equity. This monthly fee may be costing you up to $500 each month. On some loan programs it never drops off, on others will automatically drop off once you reach 24% equity, it’s calculated based on the value of your home at the time of purchase. However, it’s likely that the value of your home will continue to go up each year, which means you will reach that milestone much sooner than you anticipated.

You may already qualify to drop this extra payment, calling Christine regarding refinancing your home gives you the opportunity to find out. You will have your home reappraised, which may open a world of options to you that you may not have had before that could intern save you thousands and thousands of dollars over the term or your mortgage.

More Closings, More Thank You's, More Happy Families

Christine and her team are always looking for the best possible solution for you and your family’s needs. Her highest motivation is ensuring that each client is served as thoroughly as possible. She meets with individuals in their home, where they are most comfortable, to talk about the things that are important to them. This helps her to relate more intimately to your needs and help meet them. She has built a reputation based on trust, service, and commitment. She will ensure that you are in the right program for your specific goals, that your closing happens on time, and that there is total transparency for you throughout the whole process. Whatever it is you’re hoping to accomplish at this time in your life, Christine’s highest goal is to help you achieve yours.



Monday: 10:00 a.m. - 9:00 p.m.
Tuesday: 10:00 a.m. - 9:00 p.m.
Wednesday: 10:00 a.m. - 9:00 p.m.
Thursday: 10:00 a.m. - 9:00 p.m.
Friday: 10:00 a.m. - 9:00 p.m.
Saturday: 10:00 a.m. - 9:00 p.m.
Sunday: Closed