Cardinal Financial CompanyReviews of cardinalfinancial.com

As a first time homebuyer I prepared myself for a frustrating, repetitive, unresponsive process resulting in multiple delays and lost time based on the purchasing process experiences of my friends and colleagues- my experience with Cardinal was anything but that. My loan officer, Joshua Heinz was responsive, professional and maintained communication with me throughout my search- over 5 months. He was never pushy or “sales-y”, and offered partner services for a realtor and insurance provider. My processor, Scott Riis, was EXTREMELY professional, explained the process during our intial discussion and was extremely responsive throughout the process without duplicative requests for information. There were no redundancies and if supplemental information was required he called to explain what was needed, why and provided specifics to ensure another request or requirement would not be needed. Cardinal had the most competitive rates and fees, closed on schedule and even prefunded my loan so that I received my keys immediately after signing at the title company. Choosing Cardinal made my homebuying process as stress-free as possible.

Removing PMI is an awful experience. Everything has to be in writing. They will not answer even basic questions about the process over the phone. They require FULL re-appraisals (at full price) for the house < 2 years after the first appraisal. I am at 78% of the original LTV when I refinanced.

I had a terrible experience. I had not refinance in 20 year. The first person I dealt with gave me some information but did not disclose all the fees involved. As I got deeper in the process I found out about more and more fees. I had to extend my rate lock many times. The first time was because the appraiser couldn't do his appraisal until 12 days after being contracted. The loan processor didn't have any information. i would get forms almost daily and when I asked him why things went up or down, etc, he said he would get back to me and then didn't know the answer. It took 7 weeks to complete this process. I would not recommend Cardinal Financial Company as my experience was horrible!!! Thanks for the update, but you did not address the issues with your employees and lack of customer service and information. A company is only as good as its representatives and unfortunately they did not demonstrate great customer service in my situation. That's where the problem lies.

Great experience with Cardinal when refinancing my mortgage. I liked that they have a web interface that lets me track the progress, review materials to sign online, and upload my documents. The staff I worked with were polite, helpful, and communicated regularly by phone and email about expectations and timelines. Cardinal's rate was the best out of ten companies I compared them with and I'm very happy with the outcome.

Did a refinance with Cardinal Financial. Good communication. Clearly and promptly answered any questions I had. I would recommend to others.

Cardinal Financial was AMAZING. I cannot say enough how great they were to work with. Lacey Rhodes was great, she handled everything and made the process so smooth. She was communicated every step of the way. If you are considering a refinance or home purchase, Cardinal Financial and Lacey Rhodes will help you and make the transition painless. Amazing.

This was such a fantastic experience. My family and I were able to close 2 weeks early and it was the smoothest mortgage/closing process I have ever experienced. Thank you Cardinal Financial for getting me into my home!!

I loved working with Cardinal Financial for my home mortgage. My loan officer and processor were extremely knowledgeable and walked me through each step of the process. I would definitely refer people to Cardinal in the future.