Cardinal Financial CompanyReviews of cardinalfinancial.com

Very professional. They were on time, quick and did a great job. Would recommend Kendra. Thought some of paperwork excessive, but I am sure due to government reps.

They matched the lowest rate of all lenders that I called (and offered a lender credit). Their online process went smoothly and most of the delays were on the Seller's side (Survey). The Underwriting Conditions were spelled out simply and the Loan Processor helped along the way. The closing process went by in a blur. Highly satisfied, especially after reading the negative experiences online (missing deadlines/rate extension/lack of communication). (Note: If you are up against a fast-approaching deadline, definitely call and check the status with questions. Their customer care line works wonders if you can't get in touch with a specific person.)

This is my first time that I did a refinance. The Cardinal financial made this process very easy and smooth. The online application is very easy to do the loan online. The loan processor and loan originator are very knowledgeable and professional. Would definitely recommend this company for all of your mortgage needed.

This was the first time my wife and I refinanced our home and it could not have better. The loan officer(s) were quick to respond, and knowledgeable. If we had any questions we typically had a response within an hour. Our loan closed within about a month and a half due to unforeseen hiccups (neither theirs or our fault). I would defiantly use them again for any mortgage needs.

All of the individuals involved were upfront and very knowledgeable about the process. They were insightful, patient, and not only talked to me on the phone but then followed up with an e-mail to document our discussions. They were professional, timely, and it was a seamless and easy process. I hope to do business with this company again!

I used Cardinal Financial to get a mortgage on my first home purchase. I worked with Mike Breland and had a great experience. I was able to get a great interest rate and everyone I worked with was very eager to help out and answer all of my questions (of which I had many). I started the process in early November and was able to close on my house before Christmas which was exactly what I wanted. I would recommend this company to anyone who is looking for a good mortgage company with a great rate.

I used Sebonic/CF to refi my mortgage. They were great to work with. My loan officer and processor were very professional and had great communication. The only issue was a delay with underwriting, as they were backed up. Missed my closing date and had to get 2 lock extensions, but they covered all fees as it was their issue, so once again great customer service. Their online portal was easy to use, and the whole process was relatively smooth and painless. I would recommend them highly!

I hardly know where to start with these guys but if I could I would give then zero stars I would. Let me start by saying this was the third house my wife and I have purchased since the housing collapse and the first time we have dealt with a lender who failed to live up their commitments and either didn’t even make an effort to communicate what was going on or outright lied to us. I probably should have known to walk away from Cardinal when the process for uploading documents for the initial loan documentation was so antiquated. But the initial approval process seemed to go OK and I stayed with them. I guess the whole process went sideways when it took their appraiser nearly 2 weeks to submit his report and neither our loan processor nor the sales person could tell me what was going on. Then I was told we could close 72 hours after my wife and I signed a disclosure statement reflecting the appraisal. That turned out to be a lie as it took another 5 days before we were able to close. The only communication we received during this time was from the sales person who called me late on one afternoon to say he had pulled some strings and we could close the following business day, 30 minutes later our builder forwarded me an email where the loan processor had shut the document preparation process down because the loan actually had not been approved. So another lie that led to another day in limbo. In addition, while all these delays were piling up they were charging fees for extending our rate lock. Just to pile on, when we are at the closing the title company agent told us she had never seen a lender as difficult to work with as Cardinal, I guess it good to know we weren’t the only ones to have a bad experience. If you’re looking for a home lender, do yourself a favor and look somewhere else.