Cardinal Financial CompanyReviews of cardinalfinancial.com

The electronic process was very user friendly and easy to follow.

Every one at Cardinal was very nice and easy to talk to. They answered questions right away and let you know how things were going all the way through the process

Palmer Holland helped me with my mortgage loan. He explained to me the terms and conditions patiently. Exceptional service, the loan process went very smoothly. I highly recommend to go with Carninal mortgage financial and Palmer.

They play games. My son has been trying to close on house for 4 months. Still had not happened. They want a 2nd appraisal because it was over 90 days old. He keeps having to pay more money to hold Intrest rate. They don't answer the phones and will not return phone calls. The title company is also confused. I've sent 3 emails. No response.

I don’t even know where to begin. I suppose it started with an internet search and a phone call. I doubted anything would come from the call and I should have trusted my gut. It was an awful experience that caused my hair to thin out drastically from the stress. I don’t blame the loan officer or his supervisors but Cardinal Financial should fire their entire underwriting staff. They are the slowest I’ve ever heard of and couldn’t get their act together. From the beginning my husband and I were “conditionally approved” provided we upload all the paperwork they asked for. Soon after, we had the VA home inspection and had to fix quite a few things considering we were in the middle of renovating. After maxing out my small cards in order to pass the inspection we were told we were waiting on underwriting to approve the final bits. Time and again underwriting would ask for more paperwork that I would upload almost immediately and would have to wait a week for them to tell me they needed something else added. They should have told me everything they needed at once rather than add a few things every week for two and a half months. It took underwriting so long that my credit score dropped due to the mandatory renovations required for approval. This sent our account to the credit committee. We ended up selling our RV for almost nothing to repair that harm to my report and we were excited to find out the credit committee went ahead and approved us and we were told we would be signing our contract within days. That didn’t happen. One of the people handling our account was replaced by a woman (Holly) that NEVER answered her phone... not once... but every once in a while she would email or text with an excuse as to why she could not answer and never returned my calls even though I told her in the emails I would rather talk to a person than text. After complaining about her, the first coordinator was put back on our case, and it seemed to be back on track. Not so much... The teams switching caused the underwriters to switch and the new ones thought they caught a late mortgage payment to our current lender. My current lender wrote a letter to Cardinal Financial explaining that we had a surplus in the past from paying too much in taxes so they applied that amount to our payment and it wasn’t late. Underwriting at Cardinal didn’t like how the smaller lender handled their paperwork and decided to deny us after more than two months of working with them... so after a credit drop, a terrible RV sale, and a credit committee approval, we were denied. I’ve never worked so hard on something in my life and I can’t stop crying. They say that I should be able to reapply in December with better chances and they said they are refunding my two home inspections. This is the only reason they are getting more than one star. I believe Greg, Dawn, and Adam worked extremely hard for us. But seriously their underwriting is the worst! Constantly asking for more ASAP and not getting back to us till after I call daily for a week or so. They are costing good people time and money. I’m sure their sales team has lost more clients due to underwriting’s negligence. There is so much more to write but I am too depressed to continue.

We just closed on a complicated, non-typical refi loan, and our Loan Originator was the BEST! Her name is Katrina Henry, and she kept our spirits up during the entire proceedings. She's confident, competent, and a genuinely nice person. I give this lady 5 stars for courage in the face of adversity! We couldn't have done it without her.

My wife and I were excited to refinance after speaking with Chad Smith. However, he passed us on to Dionne, and then Dionne passed us on to Renee Walter. After seven weeks of trying to work through all of the issues and faxing over 100 documents to them, they still needed more from us. They did not attempt in any way to make this process easy on us; and when we told them that we were completely frustrated with them, they made excuses and tried to turn the blame on us. Horrible experience! Stay away from Cardinal Financial!

I applied for refinancing my house in beginning of Apr 2019. I chose Cardinal Financial because the rate was quite good, and the loan officer was professional. However, they kept asking for information slowly and one by one document instead of one time requirement. Thus it took me a lot of time, and they kept extending the locking day. On May 09, 2019, I did close my loan at an office of the title company. I also wire enought closing amount to the beneficiary at the same day. And it’s very surprised that Cardinal Financial has still sent me many Disclosures of the loan that I closed on May 09. It’s strange they didn’t notice me one of new disclosures. The company made me so confused. It means that the paperwork that I signed on the title company was voided. And I don’t understand why they were voided. No one call or email me to explain about that. This morning, after receiving the new Disclosure, I called and sent email to the title company to ask for my loan, they were surprised too. They asked me give them 1 day to contact to Cardinal Financial to see what happened. I am waiting for their reply. I wished that I didn’t chose them to refinance my house. It’s too confused.