For more than 40 years, DLM Construction has delivered expert craftsmanship and full-service construction solutions. Renowned for their mastery in the “art” of home renovation, DLM transforms properties with precision and vision. Whether working from detailed architectural plans or bringing a homeowner’s ideas to life, their team ensures that every renovation enhances beauty, functionality, and long-term value.
Now, DLM Construction is proud to partner with Cardinal Financial Company to offer homeowners and buyers even more opportunities to create the home of their dreams.
Don Moore, CEO of DLM Construction, calls the partnership “a natural fit.” Joe Vultaggio, Branch Manager in Melville, Long Island, often advises clients to “buy the worst property in the best neighborhood.” With Cardinal Financial’s exclusive Renovation Loan products, buyers can do exactly that — purchasing a home with strong potential and financing the improvements needed to transform it.
In the past, distressed or outdated properties were frequently purchased by investors focused on quick turnarounds. While cosmetic upgrades made homes look appealing on the surface, construction shortcuts or lower-grade materials sometimes led to disappointment for eventual buyers.
Cardinal Financial’s Renovation Loan programs change that dynamic entirely.
Homebuyers can finance both the purchase price and renovation costs in a single loan — based on the home’s projected future value after improvements are completed. This empowers buyers to customize their homes properly from the start, using trusted professionals like DLM Construction to ensure quality workmanship that stands the test of time.
Even current homeowners can benefit. Through refinance renovation loans, homeowners can refinance their existing mortgage and access funds to renovate, upgrade, or modernize their home — all while leveraging their property’s future value. Whether updating kitchens and baths, adding living space, or improving energy efficiency, homeowners can enhance both lifestyle and equity without needing a separate construction loan.
The result is a smarter, more strategic way to renovate — with financing and construction aligned from day one.
Adding to its distinction, USA Today named Cardinal Financial Company “America’s Best Customer Service Financial Services Company” for 2026. DLM Construction is proud to partner with a company that shares its commitment to excellence.
“Their standard for excellence matches our own,” DLM noted.
Together, DLM Construction and Cardinal Financial Company are making dream homes possible — whether purchasing to renovate or refinancing to reimagine the home you already love.
For Additional Information on Cardinal Financial:
Joe Vultaggio
Producing Branch Manager | Retail | NMLS 136337
P: (631) 350-5672, M: (516) 884-2689
Email: joe.vultaggio@cardinalfinancial.com
This is not a loan commitment or guarantee of any kind. Loan approval and rate are dependent upon borrower credit, collateral, financial history, and program availability at time of origination. Rates and terms are subject to change without notice. Corporate Address: 3530 Toringdon Way, Suite 200, Charlotte, North Carolina 28277. Cardinal Financial Company, Limited Partnership (NMLS ID 66247, www.nmlsconsumeraccess.org) has the following licenses: AZ Mortgage Banker License #0925883; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Finance Lenders Law license, License No. 603K498; Kansas Licensed Mortgage Company #MC.0025207; Massachusetts Mortgage Lender/Broker License MC66247; NV Mortgage Company License #3968; Licensed by the New Jersey Department of Banking and Insurance #8701663; Licensed Mortgage Banker-NYS Department of Financial Services. License # LMBC 108150; Rhode Island Licensed Lender #20132934LL; and is also approved to lend in: AL, AK, AR, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NH, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY. Additional licensing information can be found at: https://cardinalfinancial.com/nmls-licensing/.
