Cardinal Financial CompanyReviews of cardinalfinancial.com

This company was borderline harassing. I asked for my name and number to be removed from their system but they kept calling. I asked them to stop calling because I had already found the company I wanted to use for my refinance. SMH makes it even worse is that it was one loan officer in general that kept calling and she had the nerve to hang up on me the second time I asked her not to call and remove me. She acted as if I was bothering her. She was rude and definitely needs customer service training. SMH

This company baits and switches you promises the sky to get you in. Once you have done all the leg and have been in process paid the appraisal fee and have been appraised and turned in everything they have asked for within 24 hours of asking for it they just stop communicating with you out right period. I have asked one question about my loan for about 3 weeks straight i called multiple times they put up road blocks promising they would call back but there not available when i call in at regular business times either. I emailed the agent directly and there supervisor directly Tellie Avilla and Jessica Nolan. No response. I have multiple tickets in for the same issue no response. Its not like iam not being unreasonable I have asked for an answer and they flat out wont answer it about the loan which makes me wonder what are they hiding what is going on mostly why wont they answer my question. I hate doing this but iam doing this in hopes to actually get a response from the company to get this resolved and in hopes others will be aware since the manager and the loan agent refuse to answer a question about the loan. Please stay away from this company and Specifically Tellie Avilla and Jessica Nolan as they are non responders.

I don't think I have ever encountered a more unprofessional outfit in my life. Totally unresponsive. AVOID.

How anyone can rate this company a 5 is way beyond comprehension. 40 days after submission of documents and still no decision. Their underwriting has no clue as they cannot differentiate good credit from bad. If you apply, prepare to wait 6 to 8 weeks for a decision, respond to stupid requests that sit on someone's desk for days before giving you a response. I withdrew my application because of delays, their response to the FTC was that my income to debt was too high. That is a Joke since my credit score is 800.

I typically don’t write negative reviews. But I am appalled as to the way we were treated by this company. Biggest regret is not reading these reviews prior to choosing to do business with Cardinal Financial, or lack thereof. We put in a contract on a home on November 14, 2020 with a pre approval letter from the company. We received an original closing date of December 31, 2020 and another one for January 15th. After the due diligence period had expired we started getting messages requesting updated docs needed. Needless to say. Our loan was sitting waiting on documents from the IRS that was closed and has been closed due to COVID. Cardinal why not tell your clients that you can not close on homes without certain IRS documents? Instead you let them sit and wait while rates are lost, fees start accruing. Their charges are going up each time they have to lock a rate. Honestly I think this is how they make money. They had no intentions of proving a loan to us. My loan originator constantly had horror stories for me from past clients. Really Carinal? Is this how you operate a company? Why would you tell clients about stories of past clients who’s been waiting for months and months for loans to close? You should have maybe told us this prior to signing documents with your company? We were to close on January 15, 2021, we have not heard anything from Cardinal Financial. As of today January 26, 2021 our file is still sitting. My realtor asked if they could give us a denial letter being that we can’t close. The loan officer told her that that would take 60 days. Long story short my husband and I have lost $7,000.00 earnest money, $500.00 appraisal fee, and $475.00 on home inspection. Not to mention we now have to move out of our home because we gave our landlord notice to vacate. It’s not my character to leave bad reviews, but something needs to be done about this behavior. Over and over you see the same sort of comments here. I wouldn’t think that all these people are falsifying their experience with Cardinal Financial. ***We would like you all to give us our earnest money back as well as the money you took for an appraisal that you knew wouldn’t close.

Your company is a definite scam. I have been a client for years and since the month of July last year I have been trying to get some adjustments done to my loan and the company doesn't respond. I am going to report to the BBB immediately and I will post this in all social media. DO NOT TRY TO DO BUSSINESS WITH THESE PEOPLE, you will forever regret it. You also must say that the owner of Cardinal Financial, Dovenmuehle Mortgage, Inc. is as incompetent.

Last week i spoke to Aaron Zamora | Loan Originator Inside Sales at Cardinal Financial Company, Limited Partnership | NMLS 66247. I told him my credit score, income, and painted a solid picture of my financials. I asked him what kind of rate he could provide based on my strong financials and 810 credit score. He told me i could qualify for a loan for as low as APR 2.4. I said okay and uploaded all my financials and later the same day he offered me 2 loans for SUBSTANTIALLY more than he originally quoted: Option 1(low cost option 30yr fixed rate / No buydown 510k Loan size): Rate 2.875% Payment $2,115 P&I Option 2 (Pay off Mtg and 545k out/ 30yr fixed) : Rate 3.25% - payment $2,828 P&I Total waste of time. I feel like he lowballed me to get my application. DON'T WASTE YOUR TIME!

If I ran my business the way Cardinal Financial or X5 Home Loans run theirs, I'd be out of business. Unorganized, unprofessional, and it took over 100 days to fund the refi. I'm self employed, own a successful, growing car dealership, I have my taxes, documents and company financials in line, and have 800 credit. Figured it would be pretty easy but I was dead wrong. They kept coming up with new reasons to push the closing back. Requesting more documents and disclosures, broken promises, forgetting to submit paperwork, requesting an explanation of why my business made more income this year than last year, requesting a new P&L because they pushed my closing date back so many times the first P&L I submitted was now 2 months old and no good to them anymore. I could go on and on about what a nightmare it was but that's the long and the short of it. I was finally cleared to close. And the nightmare didn't end here. They messed up my escrow, bad. My home owners insurance agent informed me that my home owners insurance was about to lapse, and that it was never paid by whoever was responsible for paying it from the escrow account. So long story short, they took the money out of my closing costs, never paid the insurance or property taxes with it, and now I'm basically stuck paying double the escrow I should be for the first 6 months of my loan. Neither Cardinal nor X5 Home Loans, the broker I went through, would do anything about it. It's not totally about the money, but the principle. If you make a mistake, as I sometimes do in my business, you fix it and make it whole. And it didn't stop there. I signed up for autopay after the loan was funded through their online portal two weeks before my first payment was due. The payment never came out. I called their customer service number, went through about 5 minutes of prompts, then reached a message that informed me that because of high call volume, they can't take my call. Great. After having yet ANOTHER colorful conversation with X5 Home Loans, I finally got a number where I reached someone at Cardinal after 27 minutes on hold. I was informed that after I signed up for auto pay, they switched systems for their auto pay. I'm not sure what that means but I guess it nullified my auto pay setup. Thankfully I pay attention and saw the payment didn't come out when it was scheduled to and fixed it before it showed up on my credit. During one of the conversations I had with X5 Home Loans they informed me they don't use Cardinal anymore. This is why I went with a broker, they're supposed to vet the third party lenders and expedite the process as I do with clients who finance vehicles from me. Absolutely do not ever, ever, use either of these companies.