Your Path to Financial Confidence Starts Here

How can we help?

mortgage products

mortgage calculators

resources

community

Meet the totty team.

Trusted mortgage lenders serving borrowers with a relationship-first approach to home financing. From first-time homebuyer loans and VA loans to construction and investment property financing, Cat and Molly Totty help clients navigate the mortgage process with clear communication, local market knowledge, and personalized lending solutions. Whether you're buying a home in Central Texas, coastal communities, or relocating from out of state, the Totty Team is committed to making homeownership feel approachable, straightforward, and tailored to your goals.

For more information and application with the Team, go to Cardinal Financial-The Totty Team or click below.

full team
A woman with shoulder-length blonde hair styled in loose waves, wearing a white blouse and beige blazer, standing in an office-like environment with bright natural light.

Cat totty

With over 15 years in the lending industry, I help buyers navigate the mortgage process with clarity and confidence. I specialize in VA loans, first-time homebuyers, and construction lending, guiding clients from pre-approval to closing with straightforward advice and personalized solutions. My goal is simple: make financing feel less stressful and help you move into the right home with a plan that truly fits.

Senior Loan Originator    NMLS# 919528
Businesswoman with shoulder-length light brown hair, wearing hoop earrings, layered necklaces, a white shirt, and a black blazer, in an office setting.

Molly Totty

Molly Totty is a Loan Originator licensed in Texas and Michigan with a heart for helping first-time homebuyers and families in rural and coastal communities. From Coastal Texas through San Antonio, she’s committed to making homeownership approachable, educational, and achievable. Molly focuses on clear communication, thoughtful guidance, and helping clients feel confident at every step of the lending process.

Loan Originator NMLS #2270983
Full Team

  • "Cat Totty is the best mortgage lender and a true professional.

    —Katie

  • "We had a fantastic experience working with Cat on our home loan. She is knowledgeable, responsive, and an excellent communicator—she made the entire process feel smooth and straightforward."

    —Allison

  • "Cat Totty is one of the best loan originators I have ever had the pleasure of working with. ."

    —Devan

Follow us on social

From the first conversation to closing day: no surprises. No mayhem. Just a plan that worked. The VA loan made it possible. Zero down, no PMI. If you’re a veteran thinking about buying, I’d love to help you get started. #VALoan #Closin
From the first conversation to closing day: no surprises. No mayhem. Just a plan that worked. The VA loan made it possible. Zero down, no PMI. If you’re a veteran thinking about buying, I’d love to help you get started. #VALoan #ClosingDay #Veterans #HeroesOfTheHome #MortgageWithCat #CardinalFinancial
Spring buying season is in full swing. Here are the 3 mistakes we see every year: 1. Shopping for homes before getting pre-approved → You fall in love, then find out you don't qualify 2. Only looking at the monthly payment → Closing costs,
Spring buying season is in full swing. Here are the 3 mistakes we see every year: 1. Shopping for homes before getting pre-approved → You fall in love, then find out you don't qualify 2. Only looking at the monthly payment → Closing costs, insurance, and taxes add up 3. Waiting for the 'perfect' rate → There's no crystal ball. The right rate is the one that works for your budget. Don't be the buyer who learns these the hard way. Talk to an LO first. #HomeBuying #MortgageWithCat #MortgageTips #CardinalFinancial
May is Military Appreciation Month. As a Loan Originator, I want to make sure every veteran and active-duty service member knows what the VA loan can do. Zero down payment. No monthly mortgage insurance. Competitive rates. And it’s not a one-t
May is Military Appreciation Month. As a Loan Originator, I want to make sure every veteran and active-duty service member knows what the VA loan can do. Zero down payment. No monthly mortgage insurance. Competitive rates. And it’s not a one-time benefit. You may be able to use it again. If you’ve served, this benefit was earned. I’d love to help you use it. DM me or comment below with any questions. #VALoan #MilitaryAppreciationMonth #Veterans #HomeBuying #CardinalFinancial #MortgageWithCat
Don’t let scary mortgage words keep you from buying a home. This week’s Scary Mortgage term: ESCROW Once you understand what it means, it’s just another normal part of the homebuying process. #escrow #homebuying #mortgagewithcat
Don’t let scary mortgage words keep you from buying a home. This week’s Scary Mortgage term: ESCROW Once you understand what it means, it’s just another normal part of the homebuying process. #escrow #homebuying #mortgagewithcat
“No. No. That wasn’t a question.” 👠 Me explaining why getting pre-approved before house shopping is non-negotiable. Mortgages, strategy, deadlines, and a little Devil Wears Prada energy. ❤️🏡 #WomenInBusiness #MortgageLife #devilwe
“No. No. That wasn’t a question.” 👠 Me explaining why getting pre-approved before house shopping is non-negotiable. Mortgages, strategy, deadlines, and a little Devil Wears Prada energy. ❤️🏡 #WomenInBusiness #MortgageLife #devilwearsprada #mortgagewithcat
If I answered your mortgage questions today with patience and professionalism… just know this workout helped. 😂 #hotworx #protein2o #mortgagewithcat
If I answered your mortgage questions today with patience and professionalism… just know this workout helped. 😂 #hotworx #protein2o #mortgagewithcat
Margs today… mortgages tomorrow 🍹🏡 But let’s be real—owning a home hits different. If buying is even kind of on your radar this year, we should talk.#CincoDeMayo #TexasRealEstate #HomeLoans #MortgageTips #loanofficerlife
Margs today… mortgages tomorrow 🍹🏡 But let’s be real—owning a home hits different. If buying is even kind of on your radar this year, we should talk.#CincoDeMayo #TexasRealEstate #HomeLoans #MortgageTips #loanofficerlife
May the 4th be with you ✨ The real power move? Getting pre-approved before you fall in love with a home. Jedi-level buyers don’t shop blind. They shop with a strategy.#MayThe4thBeWithYou #MortgageTips #PreApproval #HomeBuyingTips #FirstTimeHome
May the 4th be with you ✨ The real power move? Getting pre-approved before you fall in love with a home. Jedi-level buyers don’t shop blind. They shop with a strategy.#MayThe4thBeWithYou #MortgageTips #PreApproval #HomeBuyingTips #FirstTimeHomeBuyer MortgageWithCat
Today I had the opportunity to speak at an elementary school for Career Day, and it was such a fun reminder of why I love what I do. Explaining mortgages to adults is one thing… explaining it to 2nd–5th graders? Whole different level 😄
Today I had the opportunity to speak at an elementary school for Career Day, and it was such a fun reminder of why I love what I do. Explaining mortgages to adults is one thing… explaining it to 2nd–5th graders? Whole different level 😄 But their questions, curiosity, and excitement were the best part. We talked about what it means to help people buy homes, why credit and saving matter, and how every career can make a difference in someone’s life. If even one of those kids walked away thinking, “I could do that someday,” it was 100% worth it. Grateful for the chance to be part of their day—and maybe plant a few future homeowner dreams along the way 🏡✨#careerday #futurehomeowners
Part of my job is helping buyers understand the mortgage process. And sometimes that means explaining the words that sound the scariest. This week’s Scary Mortgage Word: 👉Disclosures The truth is, most of these terms are completely normal p
Part of my job is helping buyers understand the mortgage process. And sometimes that means explaining the words that sound the scariest. This week’s Scary Mortgage Word: 👉Disclosures The truth is, most of these terms are completely normal parts of buying a home. Understanding them just makes the journey smoother. #mortgagewithcat
From the first conversation to closing day: no surprises. No mayhem. Just a plan that worked. The VA loan made it possible. Zero down, no PMI. If you’re a veteran thinking about buying, I’d love to help you get started. #VALoan #Closin Spring buying season is in full swing. Here are the 3 mistakes we see every year: 1. Shopping for homes before getting pre-approved → You fall in love, then find out you don't qualify 2. Only looking at the monthly payment → Closing costs, May is Military Appreciation Month. As a Loan Originator, I want to make sure every veteran and active-duty service member knows what the VA loan can do. Zero down payment. No monthly mortgage insurance. Competitive rates. And it’s not a one-t Don’t let scary mortgage words keep you from buying a home. This week’s Scary Mortgage term: ESCROW Once you understand what it means, it’s just another normal part of the homebuying process. #escrow #homebuying #mortgagewithcat “No. No. That wasn’t a question.” 👠 Me explaining why getting pre-approved before house shopping is non-negotiable. Mortgages, strategy, deadlines, and a little Devil Wears Prada energy. ❤️🏡 #WomenInBusiness #MortgageLife #devilwe If I answered your mortgage questions today with patience and professionalism… just know this workout helped. 😂 #hotworx #protein2o #mortgagewithcat Margs today… mortgages tomorrow 🍹🏡 But let’s be real—owning a home hits different. If buying is even kind of on your radar this year, we should talk.#CincoDeMayo #TexasRealEstate #HomeLoans #MortgageTips #loanofficerlife May the 4th be with you ✨ The real power move? Getting pre-approved before you fall in love with a home. Jedi-level buyers don’t shop blind. They shop with a strategy.#MayThe4thBeWithYou #MortgageTips #PreApproval #HomeBuyingTips #FirstTimeHome Today I had the opportunity to speak at an elementary school for Career Day, and it was such a fun reminder of why I love what I do. Explaining mortgages to adults is one thing… explaining it to 2nd–5th graders? Whole different level 😄 Part of my job is helping buyers understand the mortgage process. And sometimes that means explaining the words that sound the scariest. This week’s Scary Mortgage Word: 👉Disclosures The truth is, most of these terms are completely normal p
Social

Contact Us

A diverse group of four people sitting on a wooden bench engaged in conversation, with the word 'CONNECT' displayed above them.