Cardinal Financial

Will never do business with Cardinal Financial again. Completely takes the personal touch out of the process, they only care about one thing....getting you on the hook and getting your money.
Even after we signed hard copies of the closing 26 Aug 2022 they sent us electronic documents via octane that were dated 18 Aug 2022 and wanted us to sign those also??? Even though it was redundant we would have done it IF the documents were the same. The numbers varied so which ones were valid and which are they going to try and enforce.
Signed all the documents and paid an additional $20 for a wire transfer...three business days have passed and still no pending transfers showing in our banking account. We will not even discuss how they made us take out flood insurance, we have been building single resident houses to live in on this land for 15 years, three separate mortgages over the span and never required flood insurance until now. Not a good experience with this company at all.. bad thing is we are not even done with them yet.

Cardinal Financial was a great company to work with during my first time home buyer experience. Having a busy schedule made it hard to even start the process of home buying but Manuel (Manny) Gonzalez assured me that he would communicate with me at anytime that was convenient for me and he was extremely thorough which made the processes even easier. We finished a 30 day escrow in just 13/15 days! I highly recommend this company for anyone that is looking to get a home loan.

This company is totally corrupt. They sold my mortgage to another lender which is understandable so they no longer hold my loan . I had them as a assignee to my life insurance policy and now a I'm asking them is to sign off on the policy so I can transfer for it to my new lender. It's been 3 months and they refuse to acknowledge my request. All it takes is a qualified senior officer to sign the release forms and send it back to my life insurance carrier. They are the worst company ever to do business with and would never recommend them to anyone looking to refinance!!! They caused me a great deal of anxiety and been to my heart doctor several times.

We used a realtor that was recommended by Cardinal Financial because it was supposed to come with a credit of 1% of the loan amount. After using the realtor recommended by Cardinal, I was told that the realtor wasn't part of their referral program and they wouldn't honor the 1% that was promised. They said it was an honest mistake but did not offer any concessions to make up for their error, costing us around $5,500. I judge a company on how they handle their mistakes, not if they make mistakes, and they showed how little they actually care about their customers with the way they handled the situation. I would recommend taking your business elsewhere.

We’ve been customers of cardinal financial since December 2019 and are deeply unsatisfied and disappointed in the service we received from them. This month a few days ago they reported us as being 180 days late on our payment when in reality, we have made every single payment on time. Our credit scores have tanked more than 300 points combined, impacting our ability to make other payments and purchases. We’ve contacted the bank who said wait 30 days. Different departments say they don't know who reported it. Anyone we’ve called has shared no instruction on how to recover our credit scores. This is extreme negligence on Cardinal Financial’s part and they must take accountability. I worked very hard to keep my credit intact and they ruined it with a push of a button. I am extremely frustrated right now.
I hope they sort my problem out and resolve my credit ASAP.

Zach Kent and Karissa Rogers are amazing. I would have never imagined I would have received such personal and kind support, but they were always right there with me, helping and making sure I was on top of my tasks, and providing guidance each step in the process. No exaggeration, I literally could not have done this without them. When I bought my first 2 homes, I was married - I had someone to discuss and make decisions with. This time around, I was doing it alone. I was a bit nervous about some of the big decisions that I would need to make, not having my wife and best friend to confide in. With Zach and Karissa, I always had a trusted advisor - more like a friend - there to provide insight and guidance. I never got the standard "I cant give you any advice" protocol. Zach and Karissa would go through the various scenarios, explaining (in terms even I could understand!) the details and what that means today and down the road. In addition, Cardinal (Zach and Karissa) have a wonderful partnership with my Realtor, and they work extremely well with all of the groups involved in the process. The handoffs between each step were seamless, and I was always informed going into each decision. Zach and Karissa would email, call, text me at each critical point - I was always on top on my to-do's, which is 100% a testament to their professionalism, and their genuine caring. In addition, because of my fairly recent divorce, there was a lot of confirmation needed (divorce decree, confirmation of child support payments, etc.). Working with government agencies, as most know, can be very slow and tedious, to say the least. Zach and Karissa were right there with me, most often doing a lot of the leg-work required! They have done this countless times, and know how to expedite the process. They worked with their partners to determine what was absolutely necessary, and when a quick "screen-shot" would suffice (to save days waiting for agencies to send documentation). We found my new home June 10th, and I had the keys on June 24th!! I owe this to Cardinal Financial, my new friends Zach and Karissa. I am so very grateful to both Zach and Karissa - not only are they exceptional at what they do, they are some of the warmest, kindest, most thoughtful people I have ever encountered. No way would I embark on this process without my trusted friends. I have shared my experience with friends and people I work with. They are amazed not only how fast we closed, but by my overwhelming adoration for my trusted team who was always right there with me in my corner. I know this is quite long, but I say without hesitation, it is well deserved. Thank you Zach and Karissa - for helping me move closer to my kids, for making this process so very painless, for your priceless guidance and information, and for always being right there when I had questions as well as those times when you were watching out for me. I will forever be grateful for all you have done for me!
Sincerely,
Ray Parkin
Irving, Texas

Cardinal erroneously reported me 90 days late in error!!!! Tanking my credit scores. When i called they acknowledged their error and said they created a ticket but it would take 30-90 days to fix it!!!! It took a push of a button to electronically transmit the erroneous reporting to the bureaus but 3-90 to correct your error. This has now negatively impacted several of my credit cards limits and card standings. I am overwrought with stress and feel this is so unfair. All i want is for this error to get corrected immediately because of the negative domino effect it is creating financially for me! This is so wrong and unacceptable!!!!

Info is unclear. My loan was transferred from Cardinal Financial after just 1 month. The message was that mortgage has been transferred to CENTRAL LOAN 8. There's no link to Central Loan 8 and there's no info on how to make my next monthly payment.

Today was my day to clear to close. I wish I would’ve read these comments before wasting near 60 days of my life with these people. I worked with Trish Boydston and at one point she “appeared” to be on top of things. The closer to my clear to close date, according to her the underwriter “was being petty and asking for information that wasn’t an issue until just now”. Things that were an issue should’ve been addressed within the first month of having my file. Then my cash to close switched numerous times and increased by the hour of the day. I’m not sure if this person or the underwriter was purposely trying to sabotage me or if this was racial profiling but I will be filling A complaint and contacting the powers that be. This behavior that these people displayed is extremely unprofessional, disgusting, and borderline demonic. Please NO ONE BLACK should go through these people. They already don’t want Black people to own any piece of land but these people for sure do want you to get the slice of American pie. You’re not the right color. Last thing cardinal , instead of you all researching who I am via LINKEDIN how about you do your job and figure out my loan properly ?!!

From the start of our loan our person we were working with seemed helpful and like they were on top of things, but towards the end of our closing We have never worked with a more unprofessional and disrespectful person in our life. Our mortgage person continued to get our names wrong would address myself as “your woman” or “your girl” and pushed our closing date continuously back due to their lack of preparation. The first three weeks after we continued to check in was told everything was great and we were good on documents then the last week they changed multiple documents because they “forgot” to quote us on certain numbers and then changed the cost to close 4 times due to them not having correct debt to income ratios or including irrelevant accounts that were previously closed. They continued to email inconsistently requesting documents that we had either already provided multiple times or documents t hat had nothing to do with our loan. We had a VA loan and yes there were a few more steps to receive the loan and qualification but that still doesn’t change the fact that our mortgage advisor knew nothing about how to proceed. Our realtor had the hardest time getting any documents from them and when they would say they would have a document prepared for closing they got it to us two days later which pushed us even farther back. The title company was upset due to our mortgage advisor’s unprofessional attitude due to mistakes that were on their part, that the sellers we were working with graciously rolled with every setback. From hanging up multiple times on my husband because he did not want to speak to us when we were already supposed to be set to closed, I would not recommend this mortgage company if this is how they treat people. When we are able to refinance our loan it will not be the Cardinal Financial. This was a terrible experience for us and if I could give zero stars I would.