Terms & Conditions
Last updated: October 7, 2026
Welcome. This website is operated for Joe Vultaggio, a loan originator with Cardinal Financial Company, Limited Partnership ("Cardinal Financial," "we," "our," or "us"). By accessing this website or communicating with us through it, you agree to these Terms & Conditions ("Terms"). If you do not agree, please do not use this website.
1. Informational Purposes Only
Content on this website is provided for general educational purposes. It is not an offer to lend, a commitment to lend or a loan approval, and it does not constitute financial, tax or legal advice. Loan programs, terms and availability change without notice and depend on credit, income, property and other factors.
2. Licensing
Cardinal Financial Company, Limited Partnership, Company NMLS #66247. Joe Vultaggio, NMLS #136337. Licensing information can be verified at www.nmlsconsumeraccess.org. Equal Housing Opportunity.
3. Loan Applications
Any loan application is subject to separate disclosures, agreements and underwriting. Those documents, not this website, govern the terms of any loan.
4. SMS / Text Messaging Terms
By entering your phone number and checking the consent box in the chat widget on this website, you agree to receive text messages from Cardinal Financial on behalf of Joe Vultaggio, including replies to your inquiry, appointment reminders and scheduling, and information and offers about home financing. Message frequency varies. Message and data rates may apply. Consent is not a condition of purchase. Reply STOP at any time to unsubscribe. Reply HELP for help, or contact us at (516) 884-2689 or joe.vultaggio@cardinalfinancial.com. Carriers are not liable for delayed or undelivered messages. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. See our Privacy Policy for details.
5. Intellectual Property
Website content, including text, logos, graphics and materials, is the property of Cardinal Financial or its licensors and may not be reproduced without written permission.
6. Disclaimer of Warranties
This website is provided "as is" without warranties of any kind, express or implied, including accuracy or completeness of information.
7. Limitation of Liability
To the fullest extent permitted by law, Cardinal Financial shall not be liable for indirect, incidental, special or consequential damages arising from use of this website.
8. Third Party Links
This website may link to third party websites. We are not responsible for their content or privacy practices.
9. Privacy
Your use of this website is also governed by our Privacy Policy.
10. Governing Law
These Terms are governed by the laws of the State of New York, without regard to conflict of law principles.
11. Modifications
We may update these Terms at any time. Continued use of the website means you accept the revised Terms.
12. Contact Information
Joe Vultaggio, Cardinal Financial
532 Broadhollow Rd, Ste 135, Melville, NY 11747
Phone: (516) 884-2689
Email: joe.vultaggio@cardinalfinancial.com