SAN ANTONIO MORTGAGE TEAM • SERVING TEXAS HOMEBUYERS
Meet The Stump Team
The Stump Team at Cardinal Financial helps homebuyers and homeowners across San Antonio and Texas explore mortgage options for purchasing, refinancing, first-time homeownership, and more. Led by Producing Branch Manager Jeremy Stump and Loan Officer Christine Frost, our team focuses on clear guidance, responsive communication, and personalized home financing options.
Not sure where to start? Tell us about your goals and we'll help you explore your options.
Ready to move forward? Complete your secure Cardinal Financial mortgage application.
Our Approach
More Than Just Mortgage Professionals
We believe a great mortgage experience starts with understanding your goals—not simply choosing a loan program. The Stump Team takes an educational, relationship-focused approach to home financing so you understand your options, what comes next, and why each step matters.
From your first conversation through closing, our focus is clear communication, personalized guidance, and making a complex process easier to understand.
Local Experience
Experience helping homebuyers and homeowners across San Antonio and Texas.
Mortgage Expertise
Decades of experience across home purchases, refinancing, and a variety of mortgage programs.
Relationship-Focused Guidance
Real people who listen, explain your options, and stay connected throughout the mortgage process.
The People Behind The Process
Meet Jeremy Stump
Jeremy Stump
Producing Branch Manager | Retail
Cardinal Financial · NMLS# 193265
Jeremy Stump is a Producing Branch Manager with Cardinal Financial and NMLS #193265, bringing more than 25 years of mortgage experience to The Stump Team. He helps homebuyers and homeowners across San Antonio and Texas explore purchase, refinance, FHA, VA, conventional, USDA, and other home financing options based on their goals.
Jeremy's approach centers on clear communication, honest guidance, and helping clients understand the reasoning behind their mortgage options so they can make informed decisions throughout the process.
"After 25 years, I've learned that the best deals come from clear guidance and real relationships — not pressure."
Highlights
- 25+ Years of Mortgage Experience
- Producing Branch Manager | Retail
Specialties
- Personalized Mortgage Strategy
- Purchase & Refinance Planning
- FHA, VA, Conventional & USDA loans
Professional Background
Jeremy is a licensed mortgage professional with more than 25 years of experience helping homebuyers and homeowners navigate purchase and refinance financing. As Producing Branch Manager with Cardinal Financial, he focuses on personalized guidance, clear communication, and helping clients understand the mortgage options available for their goals.
The People Behind The Process
Meet Christine Frost
Christine Frost
Loan Originator | Retail
Cardinal Financial · NMLS# 2035033
Christine Frost is a Loan Officer with Cardinal Financial and NMLS #2035033, helping homebuyers across San Antonio and Texas understand their mortgage options and navigate the home financing process. As part of The Stump Team, she works closely with clients from their first questions through application, processing, and closing.
Christine's approach starts with listening. She focuses on explaining mortgage information in clear language, answering questions along the way, and helping clients understand what to expect so the process feels organized and manageable.
"My favorite part of this job is the moment a nervous first-time buyer realizes they've got this — and we're right beside them."
Highlights
- Loan Originator | Retail
- 5+ Years of Mortgage Experience
Specialties
- First-Time Homebuyer Guidance
- Down Payment Assistance Options
- Personalized Client Support
Professional Background
Christine is a licensed mortgage professional focused on helping homebuyers understand their financing options and move through the mortgage process with clear, responsive support. Her work with The Stump Team includes first-time homebuyer guidance, down payment assistance options, and personalized support from application through closing.
THE STUMP TEAM DIFFERENCE
Why Homebuyers Choose to Work With Us
Home financing is personal. The Stump Team combines local experience, direct access to your mortgage team, and personalized guidance to help homebuyers and homeowners understand their options and stay informed throughout the process.
Direct Access to Your Mortgage Team
Work directly with the people who know your goals and your file—not a call center.
Clear, Responsive Communication
We keep you informed, answer questions, and explain what to expect throughout the mortgage process.
Personalized Mortgage Guidance
We help you compare available mortgage options based on your goals, financial situation, property, and applicable program requirements.
Local San Antonio Experience
Local market experience combined with years of helping homebuyers and homeowners across San Antonio and Texas.
A Variety of Home Loan Options
Explore FHA, VA, USDA, conventional, down payment assistance, and other mortgage options that may fit your situation.
Speed to Mortgage™
Cardinal Financial's streamlined mortgage process is designed to support clear communication, efficient execution, and a smoother path toward closing.
The Journey
What Working With Us Looks Like
From your first conversation through closing, The Stump Team provides clear guidance, personalized mortgage options, and consistent communication at each stage of the process.
01
Getting to Know You
We start with a conversation about your homebuying or refinance goals, questions, timeline, and financial situation.
02
Exploring Your Options
We help you compare mortgage programs that may fit your goals and explain the differences in terms, costs, and eligibility requirements.
03
Choosing a Path Forward
Once you understand your options, we help you determine which financing path may make sense based on your goals and circumstances.
04
Processing & Underwriting
Your loan moves through processing and underwriting as documentation, property information, and applicable loan requirements are reviewed.
05
Staying Informed
We provide updates throughout the mortgage process so you understand what is happening and what may be needed next.
06
Closing Day
Review and sign your final documents, complete the closing process, and get the keys to your new home or complete your refinance.
Learn More
Helpful Resources
Explore the topics that matter most on your homeownership journey.
Down Payment Assistance
Learn how down payment assistance may help eligible homebuyers reduce upfront costs and explore Cardinal Elite program options.
Explore options →Home Loan Programs
Compare FHA, VA, USDA, conventional, construction, and other mortgage options that may fit your homebuying or refinance goals.
Compare loans →First-Time Homebuyers
Explore the homebuying process, preparation tips, loan options, helpful tools, and answers to common first-time buyer questions.
Start learning →Mortgage Tools
Use free mortgage calculators to explore estimated payments, home affordability, rent-versus-buy scenarios, refinancing, VA home loan payments, and home value.
Explore tools →Good Questions
Frequently Asked Questions
Why should I work with The Stump Team?
The Stump Team at Cardinal Financial combines local experience, direct access to your mortgage team, and personalized home financing guidance.
Led by Producing Branch Manager Jeremy Stump and Loan Originator Christine Frost, our team helps homebuyers and homeowners understand their mortgage options, stay informed throughout the process, and know what to expect from the first conversation through closing.
What areas does The Stump Team serve?
The Stump Team is based in San Antonio and helps homebuyers and homeowners throughout Texas.
We work with clients across San Antonio and surrounding communities, including New Braunfels, Boerne, Schertz, Cibolo, Seguin, Converse, Universal City, Live Oak, and other areas across Texas.
What types of home loans can you help me explore?
The Stump Team can help you explore FHA, VA, USDA, conventional, construction, refinance, down payment assistance, and other mortgage options.
Available programs and eligibility depend on your financial profile, property, goals, and applicable program requirements. We'll help you compare options and understand the differences that may matter for your situation.
Do you work with first-time homebuyers?
Yes. The Stump Team works with first-time homebuyers across San Antonio and Texas.
We help first-time buyers understand the homebuying and mortgage process, explore available home loan and down payment assistance options, prepare for financing, and understand what to expect at each stage.
Can The Stump Team help me explore refinancing?
Yes. We can help homeowners explore refinance options based on their current mortgage and financial goals.
Refinancing may involve changing your loan term, payment structure, mortgage insurance, or accessing available home equity depending on your situation and eligibility. We'll help you understand the options and considerations that may apply.
How do I get started with The Stump Team?
You can start by requesting personalized options, calling our team, or beginning a secure Cardinal Financial mortgage application.
If you're not sure where to start, tell us about your goals and we'll help you explore your options. There is no obligation to purchase a home or close a loan simply by starting the conversation.
What documents might I need for a mortgage?
The documents needed can vary based on your income, employment, assets, loan program, and financial situation.
You may be asked for items such as identification, recent income documentation, bank or asset statements, tax documents when applicable, and other information needed to verify your financial profile. We'll let you know what's needed for your specific situation.
How long does the mortgage process take?
There isn't one timeline that applies to every mortgage.
Timing can depend on whether you're purchasing or refinancing, the property, documentation, appraisal, loan program, underwriting, and other requirements. The Stump Team will keep you informed throughout the process so you understand what is happening and what may be needed next.
Let's Connect
Let's Talk About Your Home Financing Goals
Whether you're preparing to buy a home, exploring a refinance, or simply have questions about your options, The Stump Team is here to help you understand what may make sense for your situation and what comes next.
