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I'm Jose Cardenas
Executive Loan Officer

NMLS#: 1440830

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Jose Cardenas
Hello, welcome to my page.

Jose is an Arizona native, and was born & raised in Phoenix AZ. He attended Arizona State University and received a degree in Business Communications. During his time there he was also a member of various community & philanthropic organizations. With a passion for finance and helping others Jose decided to go into the mortgage industry upon graduating to help homeowners across the country.

Jose has had tenures at the largest direct lenders and correspondent banks in the country. In each role he has been a nationally ranked producer. Jose attributes this to his client first mentality by always putting their needs above all else combined with an efficient & streamlined process. With almost 10 years of experience Jose decided to go over to the wholesale side of the industry with Independence Home Loans LLC to provide his clients with an even wider variety of solutions along with some of the most competitive programs in the industry.

Jose still resides in Phoenix. During his free time you can find him hiking South Mountain, eating at his favorite local spot Bacanora, or just relaxing at home with his two cats.

All-in-One Solution

Our Loan Process...


A loan pre-approval sets you up for a smooth home buying experience.


Start working with a real estate agent and viewing homes.


A few documents are needed to get a loan file through underwriting.


Assemble all the necessary paperwork and details for the underwriter.


They closely evaluate all the documentation in the loan package.


Documents are drawn and sent to the title company for closing.

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