Cardinal Financial

Very smooth loan process, great loan officer. Very responsive, and is willing to help you along the way. Got best rate for a no point mortgage, would recommend if you are looking to refinance to give them a try.

Professional, competitive and reassuring - they quickly and accurately provided all the information necessary. They beat all the competitors prices, and were willing to work with me throughout the process. Excellent experience.

[redacted] at Cardinal was great! He was able to lock me into an awesome interest rate and save me OVER $900 monthly! I highly recommend them if you are looking to re-fi your home!

This company delivered as promised. There were no surprises at closing. Overall very satisfied with the results.

Refinancing with Cardinal Financial was a hassle-free pleasure. Excellent process, great timing, superb responsiveness, and timely communication throughout the entire process, not to mention, the lowest rate available.

We had a great experience with our refinance through Cardinal. [redacted] was professional, helpful, thorough and responsive throughout the entire process. We completed the process from initial contact and information gathering to closing in 32 days. [redacted] and his staff were very efficient and friendly and helped us find the a great mortgage option and helped us improve our options after our appraisal came in higher than expected. He gave us several options and great advise. I especially liked the option of electronic communication and file uploads which moved the process along quickly and easily and was great for our busy schedules and our limited access to phone calls during the day. Although the entire process was done via email and phone, it felt very personal. I would highly recommend to anyone looking for a mortgage!

As first time home buyers, we were nervous beginning the whole experience of finding a loan after finding our house! But my initial contact with the Loan Officer, [redacted] was outstanding. She gave me the lowest rate of all Loan Officers I spoke with- and I called nearly 25 different companies to shop. She was professional from the beginning, and very responsive, and I never felt pressured or haggled. Ultimately, I think she knew she offered the best product. I received her direct line and called back several times to confirm my rate it seemed so amazingly low3.125 over 30 years! Once we applied, we were approved very quickly-within 3 days. Cardinal setup a portal for easy uploads, and the documents needed were communicated very well by email. There was always a customer service line to call with questions, but eventually we discussed all our details with Dawn, our loan processor. Several other members of the team communicated with us by phone and email, and were always responsive within hours or by the end of the day. In the end, we closed on time with no hiccups, hassles, or last minute concerns. It was always smooth and almost seemed too easy considering the horrors other people seem to experience purchasing their first home. And above all, we received the lowest rates, no extra origination fees or hidden costs, and a clean closing. Above all, the customer service and responsiveness of the Cardinal team made the whole experience as easy as possible. We are thankful!

I fired them. They shuffle you around never knowing what the other person is doing. They don't seem to care because they have automatic extra charges for extra time . They think their exorbitant deposit for appraisal will force you to stand for their [redacted]. I switched to [redacted]. Their lower charges made up for abandoning my 460.00 dollars.

Cardinal Financial proved to go beyond the norm to accomplish a successful settlement for me. When one refinance option failed, Patrick H[redacted] and John M[redacted] quickly pulled together another that proved to be beneficial. Both patiently addressed my questions and concerns without hesitation and worked diligently throughout the process for a smooth settlement. I was amazed to receive constant communications every step of the way and would definitely use Cardinal again in the future.
[redacted]

Very good experience through out the process.

The closer sends you a customer cr and good luck ever talking to him again, until you're finally so frustrated you move the loan. The processor had no idea what she was doing and I have this in an email. You call into a call center like Att however Att is better...sadly. The absolute best is they won't be able to close the loan last minute and charge you for that. Zero customer service. If you like babysitting and calling into a cs call center or if you can do the loan yourself then this is the co for you. I've owned several homes and refinanced several times as well and this is by far the absolute worst experience I have ever had. Don't use this company trust the one star ratings they are the correct, wish I would have.

I purchased a home and closed at the end of last year using Cardinal Financial as my lender. I was extremely impressed with the professionalism and speed in which my loan was processed and closed. I closed before my contract closing date, and got a great rate. I would recommend Cardinal Financial to anyone looking to purchase a home or refinance their home.

In general I had a fantastic experience with Cardinal Financial. They are committed towards your success throughout the process and they closed within the required timeline.

The level of service, support and personalized attention I received from CF staff was beyond expectations. As complicated the process of obtaining mortgage is, the CF staff made it very easy and worked closely with me to address every possible concern. They were very diligent in their service, and they were ready to ensure that we can address the worst case scenarios, which was amazing since my situation ended up hitting the worst case possible, yet with CF support and readiness, we managed to still close on same day with results that exceeded my expectations.

[redacted], our loan processor, was awful. Rude, irresponsible, nonresponsive, unhelpful - had wrong closing date, had forms filled out wrong, etc... We expressed concerns about the accuracy of documents, and trying to reconcile documents provided by underwriting about things rejected, but did not hear back regarding our questions, and she was so impatient that one time just hung up on us. If our loan processor is supposed to be our point of contact, it would be helpful if she communicated with us. Horrible for someone client facing to be unable to effectively communicate, and telling us she was about to leave work at 3pm on a Friday and complaining how she did not have time for us because she had meetings all day long. We saw the attorney sent them numbers on costs - but they were never updated in any of the estimates UNTIL the final. This resulted in almost 2k increase than what was earlier disclosed. We were personally keeping track of it, so it wasn't an issue, but if we were a typical ignorant consumer - we could have been at jeopardy of being able to close!

[redacted]'s manager, never got back to us when we tried to file a complaint and seek for real solution twice because we were really worried our loan would be totally destroyed by [redacted].

During closing, Cardinal Financial messed up our funding, causing us to wait for almost 3 hours for nothing at the attorney's office. When we tried to call Cardinal Financial, [redacted] answered and hung up on us when she recognized our voice. Our Closer was completely unavailable and never responded to left messages. None of the people we dealt with at Cardinal answered. We had to call the 1800 number - and amazingly - they were all more helpful in this entire process than any of the dedicated folks we were working with, which is a huge red flag for customer service for any company.

Closing Coordinator - [redacted] basically freaked out everyone with his poor communication suggesting that we were closing weeks earlier than we were scheduled. Wasted our time, the lawyers office's time, our agents time, sellers agents time, etc...

[redacted] was a nightmare. We knew the form was filled out wrong, we told her that (before that we told [redacted]), and ultimately it kept getting rejected. We were concerned if we were even going to be able to close!! We had to call the IRS / fill out the online - which we quickly and easily found all the info. Truly incompetent at what she does.

Closer - [redacted] - probably the least objectionable of the lot, but still didn't really provide a lot of guidance on what we needed to do. Told us we were good to closed - only causing 3 hours waiting at closing because Cardinal didn't get all their funding documents straight, and Desiree never answered our call during the closing.

In general - we are happy we got our mortgage. We despise Cardinal's, [redacted]'s in specific, inefficiencies, redundancies, disrespectful tones, lack of communication, confusions, etc.. throughout the process. We would not recommend to friends or family.

I'm extremely satisfied ,very quick to respond to any of my questions

Had a great experience with Cardinal, who helped secure a loan for my new home purchase. Yll, my originator, did a great job explaining the process and helped run through many scenarios with me. I got a great rate, and closed on time.

I've just completed my 2nd mortgage loan (first was a refinance) through Cardinal and have been continuously pleased by not only their low rates and fees offered but how seamless and smooth the process has been. The secure portal for uploading documents is easy to use and the loan officers are knowledgeable, responsive, and great to work with.

Sebonic gave me the best rate/ lowest closing cost combination by far. I was a little hesitant because I haven't heard of them before, but everything went fairly smoothly. They asked for way less information that I've been asked for before with a mortgage application. All documents could be submitted online except for the final closing, where they sent someone to my house. This was much better than my wife and I having to go to a bank during normal business hours.

I have refinanced with Cardinal twice in last 1 year. I would recommend this company for refinancing your house.