Cardinal Financial CompanyReviews of cardinalfinancial.com

Sean Beaudry was amazing! He answered all of my questions and walked me through the document transfer system. Very user friendly and easy to use. Great experience overall!

I had an interesting work history issue and Cardinal Financial was one of the only companies willing to work with me. The were very professional and supportive throughout the whole process.

The overall experience was simply great. Everyone we dealt with was courteous and professional and always responded in a timely manner to questions. Most of all, there rates were competitive and the fees were low. We would highly recommend doing business with them. Thanks to the entire team that assisted us.

I highly recommend Cardinal Financial Co. They completed my refinance so quickly with the help of Alan Acker. He was there throughout the process and held my hand the entire way. I have encountered some problems with the processing department, but when Alan and I discussed it he contacted the management resolving it that day. Alan returns calls immediately if you have issues. My refi was quick and painless. I, thank Mr. Acker for doing such a wonderful job because I know it was not easy.

My wife and I have closed this past week. I had shopped around for a couple of months and shorted listed 5 lenders. Sebonic was by far the cheapest/most competitive on the market (no lenders fee, and the lowest rate by far 3.125% at that time compared to 3.625% for the second cheapest). Being first time home buyers it was a bit scaring to jump in. Following the good reviews about Sebonic, we have decided to go for it. Nathan our loan originator has been fantastic from start to finish. Sebonic has honor all the conditions (low rate, no lender fees). The communication has been very good all along the process. Nathan and later Breena (loan processor) have provided very clear explanation and detailed answers to my questions. The process went very smoothly. A few weeks before closing, I received an email from Breena, congratulating us and telling me we were clear to close. Few days before closing tour closer from Sebonic sent us all the closing documents (124 pages) for information and review. Have time to read carefully through everything before closing is a good thing, and from what I heard it's not common. Finally, the day before closing I got a call from the Sebonic closer, asking me if I had any question left or need explanation on the closing documents. If Sebonic remains that competitive in terms of rate, we'll definitive use them again in the future (if buying another house). We definitively recommend them. Great rates, Very professional, and very effective.

I had a great experience working with Cardinal Financial. My loan processor was extremely knowledgeable and helpful answering all of our first-time home buyer questions. I had all of my paperwork ready ahead of time, so the process was smooth and fast. Cardinal let me know the last few documents I needed in an extremely timely manner. We were able to close 2 days earlier than planned! The most important part to me was I did not feel pressured at all during the process. Everyone was extremely helpful and friendly.

First the facts - I chose Cardinal based on recommendation from a friend, and they gave me good rates on my Mortgage, I completed the loan application the same day as when I finalized rates with my loan officer. I ordered and paid for the Appraisal the same day. The loan officer and Cardinal were aware of my Appraisal contingency and agreed to meet it. It was 12 days away when the appraisal was ordered. In spite of repeated reminders from me regarding the Appraisal contingency, the appraisal was delivered late (1 day late) and it came well below asking price. Since I had lost my appraisal contingency, the seller would not reduce price and was happy to pocket my $5000 earnest money if I decided to walk away. I had to submit an appeal for the appraisal as well as look at other lenders due to this miss. Now for the experience - It was an utterly bitter experience having to deal with Cardinal. When I repeatedly contacted my loan processor to ask her to ensure that the appraisal came in before deadline, she was extremely rude and at one point, she yelled at me that it was not Cardinal's responsibility and that it was my responsibility. The loan officer never accepted the fact the appraisal contingency had been missed. No apologies, nothing. All he kept harping on about was the fact that "You are worried because the appraisal came in low". I repeatedly mentioned to Cardinal that my biggest problem was that the contingency had been missed and not that it was low. The only reasonable person to speak with me and apologize was the loan processor's boss, but she got involved in this too late. She also promised refunding the Appraisal fees, but I got an email from Cardinal stating that they did not see a reason to do so. Bottom line - Cardinal attracts customers with good rates, but choose them at your own peril.

I would highly recommend Cardinal Financial and Jeff Williams. Jeff was exceptionally responsive, well educated in mortgages and what a straight shooter. Ask a question get a simple and direct reply. Jeff will tell you your options as well as be as honest as possible. Get all your ducks in a row before starting the process (paper work, estimated valuation, etc) to expedite the process ASAP. I was able to refinance my home in about 3 weeks even after getting a disappointing appraisal. Cardinal financial worked with me to get my goal savings and rate. Be honest and fair and everything will work out for you. I saved a ton every month, skipped two months of mortgage payments and closing costs weren't shocking. win win win!