Cardinal Financial CompanyReviews of cardinalfinancial.com

Our closing process was extremely smooth! Such a chaotic time I was happy to have a relax and care free process. The processors and loan officer were very responsive throughout the loan process.

Great experience!! Saved me tons of money!!

If I could give a zero or even negative star rating, I would. STAY AWAY FROM THIS COMPANY. I cannot stress that enough. STAY AWAY! Cardinal Financial's loan processors are the people your parents once warned you about. 1. Proper documentation was not given to me in the time allowed by law; 2. My loan was raised without my consent; 3. I was stood up on the closing date; 4. The structure of my loan as well as the funds I would be receiving from this loan were all a lie as when I contacted Cardinal to receive a date when the escrow reimbursement funds would be received, it turned out that those funds were not going to be received afterall. The title company and their representative also told me at closing that the funds would be received. In the end of a long awful road, I was taken for several thousand dollars. Learn from my mistake. Please. There are better companies out there. Cardinal Financial is completely unethical, untrustworthy and does not deserve your business or your money. GO SOMEWHERE ELSE or you can guarantee that you will be completely screwed over like I was. Read the reviews! It appears to be their practice or tactic to say to skip payments and you will receive your escrow as a refund. This is NOT true. Stay away and find a company that has morals. REPLY TO CARDINDAL - I have just forwarded to you several text messages from your loan processor regarding my loan and the amount I was to be receiving (even on the day of actual closing) that contradicts what you have stated below, including my attempts to reach Cardinal when I was stood up by your closing person.

Do NOT use this company! We have been “pre-approved” for awhile and Cardinal Financial knew everything up front about credit, income, bankruptcy, EVERYTHING. They said everything looks great! Our credit score even went UP during the process and we told them. We signed a sales contract on a home. We have paid for the appraisal and it’s been done. We have plenty of money in our bank for closing and the seller is even paying closing costs. We are days away from closing and just told not approved for VA loan and they blamed it on the VA specifically but wouldn’t say why. I called the VA directly and they said it wasn’t them that it was Cardinal Financial. Cardinal Financial will not tell me why it is now denied days before closing and I know for a fact nothing has changed on my end and my score has even gone up! I feel betrayed. I am a disabled veteran with over 10 years of great employment record with the government and Cardinal said no problems at all! Then they just leave you out in the dark with your money gone. I have read all of the other reviews and I realize now this seems like a scam. Cardinal you can verify my loan #1000146029. I have already packed and turned in a notice. Now they have left me looking for a place to live! UPDATE: Just was told that the underwriters at Cardinal denied it because I haven’t established any credit. I have been in a Chapter 13 for over 2 years and made all the payments on time with proof. You can’t take on additional debt except for this mortgage and why would I want too! I have almost no debt and I want to keep it that way. THEY KNEW ALL OF THIS BEFORE I WAS PRE-APPROVED! I have increased my credit score and they didn’t even ask me too. They want me to get additional debt to get established credit? I have paid my bankruptcy payments every single month on time for over 2 years and the balance on it is under 10,000 dollars! and my credit score is over 600! These guys are SCAMMERS and liars! My fiancé is in the real estate business and we even sent some customers there. We will make sure to never recommend them and file something with the BBB and anywhere else to make sure this stops happening to people. We are going to contact the VA and anyone else to do whatever we can because they have made mistakes and straight out lied to us. UPDATE IN RESPONSE TO CARDINAL’S LIE BELOW: Income? I make well over the income requirements as I already stated, Cardinal knew EVERYTHING before pre—approval. And in regards to the appraisal, which I have NEVER received a copy of, I have recorded phone conversations that state #1 you first said denied because the VA wouldn’t back it until I called the VA and they directly verified my Certificate of Guaranty was sent to lender on the 12tj. Then here comes #2 LIE , no established credit ( which they knew before , I have been in a CHP 13 over 3 years with every single payment made on time. So after arguing with their consumer advocate, she hasn’t a clue about our entire loan file, she keeps saying it’s income #3 LIE but then says I’m sorry, it’s the bankruptcy. She says the underwriters didn’t know about my bankruptcy. I have conversations and documents to prove otherwise. I received a document that from them stating the reason for denial and it says NOTHING about income. It is a denial that says limited credit references! Which is a joke because I have documents from them that shows they knew EXACTLY what was on my credit. She could never give me a straight answer and all she was worried about was me signing an agreement saying I wouldn’t post any bad reviews and I would take this one down and I had to agree to not hiring an attorney and couldn’t complain to the CFPB ( consumer finance) about all their illegal activities. SO, I also have them saying they now conveniently don’t have my appraisal that I paid for in yet. Keep trying to reply back with your lies CardinalFinancial, I know there is a consumer law suit against your company now and you promise loans, get people pre-approved and take their money when it was obvious you never had any intentions of approving a loan. I will NOT sign your agreement and I will continue to advocate on every website , CFPB, BBB and continue to let everyone know what you’ve done. Check out all the other reviews, CardinalFinancial says this is rare that this happens. It obviously isn’t because you have SO many ppl complaining about the same scam and posting bad reviews about the same thing you’re doing to them. I have even had reputable people from the VA and other mortgage companies say YOU are in the wrong in every way.

Alan Acker is top notch! I can't say enough how appreciative I am of the personal touch Alan gives to his customers. Refinancing isn't always the most straight-forward of processes, and Alan communicated and updated me every step of the way. This meant a great deal to me. He was always available to answer questions, update status, etc. I had many different options to choose from when refinancing, and I'm so glad I went with Alan and Cardinal Financial. Thanks Alan!

If I hadn't already been through two mortgages and a refinance I would have been completely lost with Cardinal Financial. They don't give any transparency into the loan process, they make mistakes and do not respond when you raise the mistakes to their attention (nor do they respond to emails in general), and they do not provide final loan documents within the federally mandated time window before your loan closes. I literally had to skip the original closing they had scheduled in order to get them to correct a mistake in the loan documents (which they sent the day before both the original closing and the rescheduled closing). This is by far the worst company I can imagine having to work with. Save yourself some time and frustration by going with a different lender.

The service that we received from Rachael Swick went above and beyond anything we have ever experienced. I would HIGHLY recommend her to anyone looking for a mortgage. 5 stars are not enough!!!

Worst company I have ever done business with, I applied for a refinance on my mortgage and was approved. But the reason I will never do business with them is because they fired my loan officer and forgot all about my loan and when I called to find out what was happening I got the run around every time. Worst service ever...