Cardinal Financial CompanyReviews of cardinalfinancial.com

I rarely leave a bad review. The lender I worked with was extremely difficult to get a hold of. Which is weird because when I first spoke with him he was super nice and helpful. The most frustrating part of the process are the documents the underwriters request, and I understand Cardinal Financial has 0 control on this, but some guidance on what specifically would work for the underwriter would be great. Just an extremely frustrating process and a complete waste of time. The amount of documentation I already provided is insane and it's a huge let down I can't get any guidance to finish the process. Speaking to their customer service team is no help at all. They just read the instructions that you can read in the portal.

Haha. The rep buying leads hung up on me because I was too aggressive since I already knew what I wanted. Poor guy. Can’t imagine being in sales and losing my temper so easily.

My wife applied for a mortgage on our Condo. The Senior Loan Officer was a prince of a man. Everybody else at the company is incompetent. Our closing was put off by them 3 times, each time because of their mistakes. The Condo was in the name of my wife and her brother who inherited the Condo from her mother. So, I explained to the loan officer that the brother should do a quitclaim deed and we could then refinance into a husband-wife title. Well, after a long delay, we got the papers, and they wanted her brother at closing. He was listed as a "borrower," and all three of us were on the title as tenants in common. Then they failed to send him the quitclaim deed. When they brought him the deed, they gave him loan disclosures which he should not have received. Finally, they fixed closing for July 27. Today is August 3. We should get our money "fingers crossed:" by August 5. 9 days from closing to funding has to be some kind of record. And guess who is investing in the meantime. They also held the money for 3 days during the rescission period, without any such disclosure in the closing papers allowing them to do that. Nobody at Cardinal took any responsibility for any of their major screw-ups. They would only point the finger at the title company.

We had a very difficult time with Cardinal. The paperwork was extensive, but being self employed, I expected that. What I did not expect was the utter lack of response from my loan officer and the company in general. We finished all of our paperwork in April. It is now the end of July, and after several emails and voicemails to our loan officer, we have heard nothing. We called customer service, and they told us that our loan officer would get back to us shortly. That was more than three weeks ago. I sent another email expressing my severe disappointment through the customer service website yesterday. It is now almost the end of the day, so they have had nearly two business days to respond to that. Nothing.

Ground hog day! Solid used car salesman games. Don’t waste your time. Go with someone who wants to see the finishline. I think they’re more interested in information that selling a product. Going one for almost a year with no closing in sight.

Don't waste your time with this company. They don't communicate. You have to call and email several times before they will half answer your question. They ask for the same documents over and over and keep adding on closing costs.

Well, here we go again with Cardinal. After missing paying my taxes, I just received notice that they want to increase my escrow amount by $200 per month. This is after they sent me a escrow refund in March of 2021. I of course returned it knowing it was a mistake. Well, there new calculation of my escrow is wrong, SURPRISE!! I called and spoke to several people once again that could not help. I was promised a call back from the Escrow or Tax Dept. that didn't happen. I agree my escrow needs to be adjusted by a few hundred dollars for the year not the $2,600 they want. Do yourself a favor, and don't use this mortgage company... This all happened in less than 8 months with them.... I can honestly say this is the worst company I have ever dealt with.

We worked with Cardinal Financial Co. to refinance our house in the Spring of 2020. After closing, Cardinal, via their settlement company, Equity Settlement Services, Inc. made the first property tax payment on our house shortly thereafter. The loan was subsequently sold to Freddie Mac and Dovenmuehle Mortgage Inc.(DSI) became the servicer. We received a 2020 IRS Form 1098 for the property tax from Dovenmuehle for the second tax payment of$2,107.14. We did not receive one from Cardinal. I have had numerous calls with DSI who eventually told me that the only person at Cardinal who could do anything was the agent, Erick Calix. I have called Mr. Calix and left messages and have emailed him three times with absolutely no response. I was told in February that the 1098 had been mailed out and that I should get it in a week or so. I didn't. In trying to contact someone at Cardinal I kept being looped back to DSI who told me that that could not issue a 1098 for a payment that they didn't make. Finally a gentleman at DSI referred me to Equity Settlement Services and they emailed me a copy of the check that was issued by them on behalf of Cardinal for the first property tax payment. I still cannot get in touch with any responsible party at Cardinal and have asked that my account proceed to file our taxes without the missing 1098. We never did get our 1098. Their response to our complaint with the federal Consumer Financial Protection Bureau was to agree that they hadn't provided our 1098 and didn't intend to. Take it up with you tax advisor. I feel sorry for anyone who has a more serious issue than ours. They have a genius for avoiding responsibility.