Ricardo Alonzo Munoz » Loan Officers

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Ricardo Alonzo Munoz

MLO | NMLS 952009
Work Phone: 914-684-2200 Cell Phone: 631-848-0851 Work Fax: 914-684-2525 Website: Apply Now


It is my goal to guide my clients through today’s myriad of mortgage products available.  Unlike traditional banks, we offer not only the standard mortgage products, we offer a wide array of mortgage products not typically available to todays consumer.  In addition, I am fluent in Spanish and  can assist borrowers navigate the mortgage process in particular those challenged by immigration status.  Many of our programs will allow borrowers with no social security number to enjoy the privilege of home ownership or tap equity in their existing home.

My experience as an Army Veteran allows me to guide service members through the financial landscape.  My MBA in Real Estate, which I obtained after serving as a military intelligence analyst, solidified my understanding of real estate loans  on a macro / microeconomic scale.  With my experience as an analyst, scholar and loan officer, I am able to tailor programs to meet the need of diverse borrowers and their families.

Connect & Close, our fully digital, safe and secure mortgage application platform, will speed you through the mortgage process resulting in pre-approvals within 24 to 48 hours and closings within as little as 14 days.  Equally as important, our Connect & Close platform protects your personal information in accordance with the strictest standards as required by today’s federal and state regulations.

Cardinal’s relentless passion to remain in the forefront of mortgage lending today by providing more choices through alternative mortgage programs and real estate financing solutions than traditional banks, ensures that you, the consumer, will continue to have access to these mortgage solutions that best serve you, your family and your business in the years to come.