If you’re reading this story, you aren’t someone who feels like good enough is … good enough.

You are an achiever. And that didn’t happen by you putting forth minimal effort. You push yourself so you can push your clients closer to their dreams.

That’s why it’s especially satisfying when you can partner with someone who shares that same spirit.

 

That’s what you’ll find when you partner with Branch Manager Sam Gay with Cardinal Financial.

 

“The real estate industry has always been attractive to me, especially in a hot market like Tampa. I’ve really enjoyed being able to take a big purchase and turn that into a great experience for my partners and clients,” Sam says.

 

“I also like to support clients in acquiring additional properties and helping repeat buyers achieve their goals. I like helping people leverage their equity in their real estate to make other purchases.”

 

Originally from Minnesota, Sam moved to Florida around 15 years ago to attend Florida State University. He went on to earn his master’s degree, as well.

 

After his collegiate career was done, Sam worked in the insurance field for a time with Geico, working as a Litigation Examiner. While he enjoyed the work, he was open to other options, as well. That’s when he had a pivotal conversation with his father.

 

“My father is on the Board of Directors for a regional chain of banks in Minnesota. He talked with me about the idea of becoming a mortgage loan officer. As he explained it to me at the time, the role involved making friends and closing loans,” Sam remembers.

 

“In time, I transitioned out of insurance and went into the mortgage business.”

 

That move happened about seven years ago. Since then, Sam has enjoyed the difference in the focus of real estate over insurance.

 

“In my prior role, I dealt a lot with catastrophic injuries. It was not an uplifting subject,” he recalls.

 

“Working in real estate is a refreshing shift. I love the relationship component of what we do and helping people get into their homes.”

 

Today, Sam leads a team of several professionals, including seven Loan Officers, two Loan Officer Assistants, an Operations Manager, Processors, and a Transaction Coordinator.

 

As a seasoned mortgage professional and leader, Sam relishes the role of helping his clients have a great deal of say in their transactions.

 

“When people are making a large purchase like a home, they like to be involved in the decision making of choosing the best loan for their financial makeup. I can relieve their stress when they have a good sense of control and understanding of the process,” Sam points out.

 

“As part of that, I customize their options and use a very consultative approach … having them participate in the process. It’s an interactive approach and we work to identify the obstacles at the beginning. This ensures there are no surprises throughout the transaction and their expectations are set for success from the beginning.”

 

Sam is a lifelong learner who challenges himself to continually stay on the leading edge on changing guidelines.

 

As he says, “I am always staying in tune with changes in the mortgage environment, including changes to product guidelines and any legislative changes that impact the market. We will get them to the finish line.”

 

Away from work, Sam enjoys time on the beach and water, spending time on the boat, as well as enjoying travel to new destinations. In addition, he has a passion for sports. In fact, he played a year of collegiate football. He also stays engaged with Radiant Church in South Tampa, and a leadership role in his BNI chapter.

 

When you have a seasoned pro on your side who dedicates their experience and expertise to creating results for you and your clients, you know that success is just a step away.

 

That’s exactly the approach that Sam puts to work each day for you.

 

As Sam says, “We offer the white-glove service when it comes to communication, our technology platform streamlines the transaction for our borrowers. Our team ensures that applying for a mortgage is a pain-free process. The bottom line is I enjoy getting people to the finish line.”

 

When you’re looking for a partner who will exceed the needs that you and your clients have, look to Sam Gay and Cardinal Financial!