Cardinal Financial CompanyReviews of cardinalfinancial.com

Mazda of Cardinal Financial first contacted me about my mortgage inquiry. I advised him I had good credit score, good loan to value, and house would apprise for 220K, with less then 50% being owed. I did have an unusual circumstance, and would need to be carefully reviewed. After 3 weeks of reviews, the loan officer in a text advised me the company had approved it. He asked me to pay for an appraisal and it would cost $500. I paid Cardinal Financial the $500 and put the appraisal fee on a credit card, and waited for the appraiser to call me for an inspection. Two weeks went by and Mazda (loan officer) said they were backed up. Then promised in another text his loan director would call me. Another three days went by and I called Cardinal Financial again, and was put on a long hold. Finally they said the director would call me right back. Over an hour later, the director called me and said they decided they are not able to do the mortgage. Cardinal Financial has not refunded the money for the appraisal yet, and no appraisal has been done.

Mark McKarihan and the rest of the team did a phenomenal job assuring that my refinance process was seamless and closed within 30 days. I would definitely recommend this company to others!

We decided to go with sebonic because we got the best interest rate out of the many loans we looked at, however we were a little worried about using an online lender. We were also worried since there were some negative reviews we found on other sites about sebonic and not being able to close on time. There were some mistakes made to the loan disclosures, but sebonic/cardinal were quick to fix them. We are in Maryland and we pay our taxes yearly, not bi-yearly like many other places, so when the disclosures came back us, they were showing the taxes as being doubled. This caused us panic because it made our monthly go up an extra$400 a month. We called and spoke to the loan processor and she realized what had been done right away and apologized and sent us an updated disclosure with the correct taxes. However, after the loan was sent to closing and the closing officer sent us the "final disclosure", the taxes were still incorrect and there was an old typo that the original loan officer had fixed earlier in the month. It was as if the closer didn't get any of the updated information that we had been working on with the original loan officer and processor. They fixed the problem quickly and in the end we closed on time and got a great rate. If you go with this company or any online company, I would suggest that you submit your paper work as fast as possible and double check each loan disclosure for accuracy. Our loan processor Dawn Gillespie was easy to get up with and quick to resolve our issues.

I clicked on a link in facebook to look into the possibility of refinancing our home. I probably received 25 calls but the call from Amanda at Cardinal Financial was different. She seemed very knowledgeable and I liked what she had to say. We were able to refinance our home in less than four weeks from start to finish. I would highly recommend Cardinal Financial. We’re saving more than $300 per month!

I have had many excellent experiences with Cardinal Financial, especially with Dave Amsellem as my personal correspondent. I am in the military and have refinanced one home and purchased 3 homes through Cardinal. All were good experiences! Rates are low, and so are fees. Correspondence was great, and all homes closed on time. I'll keep coming back!

RUN THE OTHER WAY!!! It was like working with the keystone cops... People in the same company were not keeping in touch with each other. I had to stay on top of this VA loan to make sure it happened. I deserved a salary for the amount of work I had to do to get this loan approved. Each group would give a different answer to the same question, they did not seem to know how to use "COMMON SENSE" No one at cardinal was in charge, I was the one who had to keep calling to keep things moving The ball was dropped so many times during the process that i stopped counting. The closing date was never really confirmed, it was a moving target. In the end i believe that I was given a lot of misinformation regarding my VA loan. They forced me to pay off my student loan as a condition to getting this cash out refi. I was not allowed to speak to the underwriter at the VA to confirm anything i was being told by this company. PLEASE,PLEASE,PLEASE...RUN THE OTHER WAY!! Yes it was that bad!! YOU have been warned...feel free to call me for more 702-280-9497 about what they did to me and my husband. My name is Diane

Working with Shaun Dunphy and Cardinal Financial was a very easy process. Through the application process, verifying income, etc... the process could not have gone smoother. Shaun was very accessible and helpful with answering questions quickly. I would not hesitate to use Shaun and Cardinal Financial again!

Very bad customer service. Were not able to get my taxes paid out of escrow account. There is no way to talk to the people dealing with taxes. I explained about my delinquent tax statements to customer service associates at least 5 different times and got no help. This has been going on for over 10 days.... Could not get much help from them. My taxes are seriously over due now.