Cardinal Financial Reviews

I been doing this for x many years." The loan officer called the day before closing. Now we spent on appraisals, inspections, escrow money and you tell me from all month everything was good. The day before closing the loan is denied. How you go from approve to deny. All month the loan was good. I kept asking you. Now my husband had a 702 credit score and now it's 636 from hard inquiries been pull out of appraisal money and no phone call from the manager. I called this morning. He was nice but now we suppose to be moving and my two profounded special needs daughters are out of a house we currently in.

DON'T USE THIS COMPANY!!! I was told I was approved for a home equity loan. We ordered the appraisal, then told after the appraisal was started that I wasn’t approved. So I lost $307 for nothing!!! I would not recommend this company to anyone!! Very bad experience.

My wife and I do not recommend Cardinal Finance. The loan officer we were working with was very unprofessional with a strong lack of communication skills and integrity. We recommend going somewhere else.

Morning Cardinalfinancial.com, I would like to take this opportunity to thank Mr. Armish ** for the wonderful job he did in finding I and my wife a great house, which we now call Home. Mr. ** was very professional, and courteous. He took the time and answered all of our concerns about financing, insurance and all other concerns about purchasing a house. He truly made us feel like family after the first week. He is definitely a great asset to your organization.

I was referred to speak with Zack to help me purchase my second home under the VA loan, as I am 100% disabled veteran. As I struggle with difficulty communicating and finding the right words I want to say. Zach has been so helpful and so patient with me. I just want to applaud him and tell him he's doing a great job helping me get started. Zach, I promise that I will send you some customers when anybody ask me who to turn to. I will definitely give them your name!!!!

We had a loan from Cardinal because we wanted someone local to handle our mortgage. Three years later and now we are on the third "servicer" of our mortgage. Never missed a payment, credit is excellent. If you are looking for a local provider - look somewhere else.

The homebuying experience was a smooth process because of Emory ( Loan Officer). He is outstanding—knowledgeable, dedicated, and a great problem solver. He made my home-buying experience pleasant and was always available to answer my questions. The support from him and Courtney (Transaction Coordinator) was exceptional. I highly recommend Emory and Courtney at Cardinal Financial.

They said they would remove me from their call list and never did. They just kept calling. Some guy named Bryan **. I went to a website for another company (Rocket) and my number was shared to this company. I had a mild interest in a refinance of my home, but no means no. All they did was pass my number around to each other to make their call quota.

Complete dishonesty!!!! We refinanced our home with Cardinal Financial and the loan originator we worked with promised me they never sell their loans. SHE LIED! Not only that, after they sold us off to Freedom Mortgage (aka) the gate to hell, they sent us documents regarding the sale with different names as mortgage holders, different account numbers and even sent me a letter to Washington - I live in Illinois. They refused to help me correct a ESCROW deficit they forwarded to Freedom Mortgage also. A problem they created.

The overall incompetence of Cardinal in this affair is good reason to warn anyone from doing business with them in the future. Their customer service is nonexistent, just a series of e-mails asking for the same information already provided. Setting up the mortgage was mind numbing with this company. We provided requested materials like recent bank statements, but by the time they were reviewed by the Cardinal rep, she notified us that they were not up to date. This went on for months, We use online banking but Cardinal wanted "official monthly statements."

Cardinal Financial loves to mistreat disabled veterans! Please be careful when choosing this mortgage company!!! We have been battling with Cardinal to honor my husband's disabled veteran status. We DO NOT PAY property taxes! But because of this company's negligence, they have not processed our tax exemption paperwork and are FORCING us to pay an extra $2700 in property taxes per month until they get around to fixing THEIR PROBLEM!! If you are a disabled military member and are property tax exempt, I highly recommend looking elsewhere for a mortgage!

Really bad customer service. I had some technical issues with my bank payments and was explaining why payment was late. Customer service advised me to write email, but there was absolutely no point. It took them 14 days to respond and they still ignored my request. I would not recommend this mortgage company.

I do not recommend Cardinal Financial Mortgage. Their Customer Service, Loss Mitigation, and Customer Advocacy departments are poorly trained. They frequently report inaccurate information to the credit bureaus. They kept stating they transferred my mortgage to another mortgage company when they did not. They also continued debt collection even after my mortgage was paid off. You’re better off using a different mortgage company.

Dealing with Cardinal Financial's Loss Mitigation department is, as I said, an absolute nightmare. Agents are consistently rude, interrupting and talking over you. They don't listen to what you're saying; they're just listening for keywords and phrases, and doing a bad job of extrapolating data. They also give inconsistent and incorrect information about their own services, which leads to further delays in your case, and leading you to fall further behind in payments. Escalations are also never responded to, and no follow-ups are done by supervisors and management. If you never have to deal with Loss Mitigation, Cardinal Financial is fine. But God help you if you ever have to deal with this department.

I recently had the pleasure of working with Cardinal Financial to secure a mortgage for my new home, and the experience was nothing short of exemplary. From the onset, it was clear that I was partnering with a team of professionals who prioritized not just my business, but my peace of mind and clarity throughout the home buying journey.

I am in the process of getting a mortgage with them. My loan officer John has been great. He always returns my calls and emails, and he always reaches out to me giving me updates. If you are thinking of doing a mortgage with Cardinal Financial, they have great loan officers.

I would caution anyone regarding a mortgage where Cardinal Financial is paying off the credit cards. I had my credit rating adversely affected due to the length of time it took them to pay off the credit cards. Kept writing and kept getting the same answer but no action. I did not make my the last payment knowing that we had signed an agreement and the credit cards would be paid off. It was not done on a timely basis. I would not recommend Cardinal Financial for a mortgage.

Zach helped me refinance my condo a couple of years ago. His office is in the same building I reside in and he was a choice of convenience. I also wanted to support a local business. I went back to him a couple of times for preapproval as we have been casually looking at properties but had a few offers declined. Zach has been responsive when I reached out. His industry knowledge and service level are decent. However, my wife and I ended up talking to another broker who was a preferred partner with Lexington properties, which was part of the requirement to buy a new property from them.

Eric D was fantastic however after that Cardinal Financial felt extremely short! Lost our paperwork multiple times and we had to resend it! Sent in the exact same paperwork which was requested then it wasn’t what they wanted. Had them send very specific detailed information on what they were needing and we sent the documents. It was the same documents we originally sent in that they had lost!

My loan officer Jake ** went above and beyond to make my dreams come true. When I didn't quality several months ago he continued to assist me with specific instructions on how to negotiate and clean up my credit (this took months). Then I finally qualified for a loan. He assisted me with all problems/issues as they came up morning, noon, and night, and by text, telephone, and email. Jake assisted with anything and everything I needed, including my various panic attacks along the way! He was professional, patient, kind, meticulous, and genuine throughout the entire process. Many times, I would panic about things [that I did not understand] that had nothing directly to do with his role or my loan, yet he would patiently explain what he knew about the subject after years of being in the business and/or from his personal experience.

I am beyond disappointed with Kim **, I was not sure how she found my information. She called me on February 17th and she started to question me about the mortgage loan that I was not aware of or applied for the loan. I told her that I recalled applying for the grant that will help me buy a home with my fixed income and she said she had several other options. All I could do is apply through Octane and it should be a simple and quick process and I had to repeatedly myself to make sure that Kim aware that I was only looking to get a grant over and over again. I spoke with a friend of mine and did a 3 way call with Kim because my friend protected me to make sure that I am in good hands and Kim made it clear that I should be qualified if I receive Government checks and should be approved.

No one has worked harder to help us in the mortgage process than Cody. I feel as if he's 110% on my side, making sure everything possible is done for the best mortgage experience and outcome for myself and my family. Highly recommend Cody. Cardinal Financial is blessed to have him!!

Loan product: Cashout Refi. Jose ** went ABOVE and BEYOND the scope of his responsibilities (within regulatory requirements) to ensure the process would have the expected outcome. There are several words to describe Jose (not all-inclusive): Honest, trustworthy, personable, empathetic, professional, and knowledgeable. I had several prospects vying for my business. I presented competing offers to Cardinal Financial, and they beat those offers. Of course, I know this may not be the likely outcome for all cases -- I'm just grateful that it was my outcome. It displayed the company's dedication and commitment to providing clients with a great product. He was forthcoming with updates. Questions or concerns I brought to his attention were acknowledged and addressed promptly.

Had a great experience purchasing our first home with the help of Cardinal Financial and Anthony ** specifically. He and his team worked hard to ensure our experience was smooth and not frightening! Even when there were curveballs, Anthony was reassuring and helped us get through every step and remained positive. In the end, we'd work with Anthony again if given the chance and would recommend him to any of our loved ones.

Josh was flawless throughout this entire process. He was very attentive and professional. This was my first time doing a cashout refinance and he was able to explain the intricate nuances (mortgage refinance) to my level of understanding. Josh stayed on top of any and all documentation in order to ensure a smooth and timely transaction. My appraisal was ordered within the first week and completed less than 3 days after that. The entire process took less than a month. There were no hidden fees/costs which is why I chose this company over any other lender. I put my trust in him and he delivered on ALL of his promises. I was able to completely pay off all of my debt because of Josh’s guidance and knowledge. My overall experience was definitely a walk in the park; 10/10 stars.

Paul ** and Cardinal Fin did an outstanding job. I had recently refinanced a home and the comparison is night and day. Paul and his team definitely outshined the other. I was kept abreast the whole way thru the process, and I never felt like I was being asked to provide documents unnecessarily.

I just have to say that Mike ** is the best rep in any field I've ever met. Kept a nervous guy like me at ease the whole time. Kept me well informed and comfortable with the whole transaction. Give this guy a raise now!!!

Thanks to Kelley ** and the others at Cardinal Financial that made a tough process so much easier! They helped me to understand everything that was needed and kept me informed on changes every step of the way. I would highly recommend Kelley to anyone considering refinancing their home!!

We have originally bought our first home 3 years ago. Interest rates were high and we the housing market wasn’t doing well. Tyler has walked us through every step of purchasing our first home. The best part during 3 years of owning a home Tyler has stayed in contact and became a friend. When interest rates started to drop, he personally contacted me and recommended refinance to lower our interest and save significant amount of money. My family has financed over 4 properties through Tyler and I recommend and still recommend him to all of my friends and coworkers. I rarely review my transactions, however I cannot find enough words to praise how amazing he is. Thank you for all that you do, have done and will do for us.

Working with Chad Jenny of the Cardinal Financial Group was a delightful experience. From the start to the completion of the refinancing of the home it just seemed to be such an easy process. Chad was very courteous and knowledgeable. He always had the answers to the questions I would ask and if he wasn't sure of something he would find out and get back to Me quickly. I would definitely refer others to Cardinal Financial.

Refinanced my home with Cardinal. They are a very honest and upfront company, and the whole process went pretty smoothly. My loan officer Jeff and other Cardinal staff were very responsive when I had questions. Great low interest rate offered, and everything was done online except at the end when they sent a notary to my home so I could sign all the loan documents.

Working with Cardinal Financial to refinance my house was a great experience, it was easy thanks to the help of the team that was working with me especially the tools that the company provided to do sign the loan documents estimate. I highly recommend this company for your financial needs.

Jason made us feel very comfortable with the process by just being straightforward, honest, and kind. He explained everything thoroughly and was incredibly patient with us being first time buyers and asking a million questions. I will highly recommend him to others!

I can't speak highly enough regarding my interactions with Maurice. He was patient, informative, and highly knowledgeable. He guided me in asking all the right questions to allow me to secure a loan for a term and rate that I never considered to be possible. His knowledge allowed me to consolidate debt while lowering my monthly payments, and securing a loan that shaved 7 years off my previous loan. He asked all the right questions to make the process seamless. I am still in awe and extremely grateful for his advice and guidance. It's rare to encounter someone who is in it for the "passion" of it. Maurice struck me as that type of individual. He had the patience to educate and guide me to a decision that has truly given me room to breathe, and for that I could never thank him enough.

I think the common factor in all this was Josh ** uncompromising Customer Service. His steadfast approach to tackling all the different problems that we had along the way, his creative flexibility, in tackling them one at a time or all at once as the situation dictated and his overall "sticktoitiveness" in maintaining accountability in these matters to help us see them through. Shout out to Abby ** for her follow-through as well.

We attempted to refinance through another lending agency and it was a miserable process, taking over two months to submit paperwork and ultimately ended in frustration due to requests to resubmit paperwork. Through research, I contacted Cardinal Financial and was put in touch with Lori **. I have nothing but praise for how the process was handled...excellent communication, timely response to questions, and Lori's personality was awesome!

The service I got from this company was amazing. This was the fastest and easiest process to refinance our home. In Less than a month we were signing closing papers and loan ready to go. All our questions were answered and in no way did we feel pressured to go with the company. Recommend this company for sure.

I would definitely recommend Cardinal to anyone searching for a mortgage solution. My refinance took a while for various reasons and I dealt with numerous people at Cardinal. Everyone did their best to help. A special thanks to David and Daisy.

Derik is easy to work with and helps you through the process of financing. This is my second time using Derik which is the main reason I use Cardinal Financial. I definitely recommend using him and the other processing agents that helped get me the loan I needed.

Taylor went above and beyond to get us through our home buying process! Was always there for any questions any any hour. He got his end handled quickly and promptly! He made using a VA loan a breeze. Will definitely be using him again for our next home!