Cardinal Financial CompanyReviews of cardinalfinancial.com

They play games. My son has been trying to close on house for 4 months. Still had not happened. They want a 2nd appraisal because it was over 90 days old. He keeps having to pay more money to hold Intrest rate. They don't answer the phones and will not return phone calls. The title company is also confused. I've sent 3 emails. No response.

My wife and I were excited to refinance after speaking with Chad Smith. However, he passed us on to Dionne, and then Dionne passed us on to Renee Walter. After seven weeks of trying to work through all of the issues and faxing over 100 documents to them, they still needed more from us. They did not attempt in any way to make this process easy on us; and when we told them that we were completely frustrated with them, they made excuses and tried to turn the blame on us. Horrible experience! Stay away from Cardinal Financial!

I applied for refinancing my house in beginning of Apr 2019. I chose Cardinal Financial because the rate was quite good, and the loan officer was professional. However, they kept asking for information slowly and one by one document instead of one time requirement. Thus it took me a lot of time, and they kept extending the locking day. On May 09, 2019, I did close my loan at an office of the title company. I also wire enought closing amount to the beneficiary at the same day. And it’s very surprised that Cardinal Financial has still sent me many Disclosures of the loan that I closed on May 09. It’s strange they didn’t notice me one of new disclosures. The company made me so confused. It means that the paperwork that I signed on the title company was voided. And I don’t understand why they were voided. No one call or email me to explain about that. This morning, after receiving the new Disclosure, I called and sent email to the title company to ask for my loan, they were surprised too. They asked me give them 1 day to contact to Cardinal Financial to see what happened. I am waiting for their reply. I wished that I didn’t chose them to refinance my house. It’s too confused.

I used Cardinal as a suggestion from my realtor, a friend of someone there. Big Mistake! They are very hands-off and seem put out when you call to ask questions. Two hours before close, I get an email(not a call or text) to sign a document (through the portal of course). I go to the portal and it show that the money due to close went up significantly! No call no personal explanation......2 HOURS BEFORE CLOSE!!!!!! So I call and noone calls me back. I WOULD NOT RECOMMEND USING CARDINAL!!!

I, like many others, wish that I'd read reviews about Cardinal Financial before starting the homebuyung process. It's interesting how their scores are either 1 or 5...nothing in between. Oh well! Here's the bottom line: we were pre-approved for a Cardinal mortgage, put an offer on a house, sold our townhouse, moved in with family, put our furniture in storage, scheduled movers, added the new house to our insurance, and started the process of our kids changing schools. Our file went to underwriting on February 25. And our initial closing date was March 8. That date came and went. The sellers were furious and we didn't have any information as to what was holding up the process in underwriting. Our second closing date was March 15...that date also came and went. By March 18, 21 days after our file went to underwriting, there was still no clear-to-close from Cardinal. On March 19, the loan officer emailed that Cardinal wouldn't be able to approve the loan. The purchase contract was terminated and the house went back on the market. Eanest money, inspection money, appraisal money--all wasted--and we still needed a place to live. As of today, March 24, we haven't received a declination letter stating that our loan application was denied or the reasons why. My faith has kept me calm throughout this situation, but I wouldn't wish this experience on anyone...proceed with caution.

This is the worst experience i ever had with a mortgage company i refinanced my home with them and have had four different company's handling the loan i have made all my payments on time yet they call me daily for the last three payments they know there's a problem with there records but won't communicate with each other to solve it this is going on three months now . Tkenney

As the saying goes, buyer beware. I worked with Cardinal FInancial on a limited capacity in 2018 on an existing house refinance. I was assigned an agent from Cardinal FInancial after their constant solicitations to lower my interest rate. But more specifically an agent, from Cardinal Financial aka. Sebionic Financial provides erroneous information consistently. Once again this is my opinion based on facts gained by telephone and email conversations with an agent. Information such as interest rates. Information such as costs for services to refinance. Given the precarious position Cardinal Financial put me in I had no choice but to absorb all ancillary costs which I would not have done so otherwise. Quite the contrary, I would have run from this establishment and more specifically this agent. I also found this agent to be very unprofessional. She never responds directly to questions specific to the loan directly once the process starts, instead passes it onto a coordinator. This is specific to loan terms and costs aside from shifting paperwork (which I understand would be held by a transaction coordinator) Please be very careful working with Cardinal Financial, Aka, Sebonic Financial. Having completed this completed transaction, my mortgage has gone up significantly from what it was originally. I am now considering putting it up on the market as it's made it unaffordable. This is a shame and people as such and organizations as such should be stopped. Please, please, please be careful.

We purchased our home with Cardinal Financial in March 2016. At the beginning of this year(2018), Cardinal decided to increase our monthly mortgage by $101.94 per month for the next year. Our homeowner's insurance and property taxes have only increased by a total of $338.01 annually. In 2016 our escrow had a surplus and we did not have a deficit in 2017. Our HOI and Property tax increase in January of 2018 should result in a monthly mortgage increase of only $28.17. I have spoken to 2 agents that agree that the increased amount in our monthly mortgage is wrong and doesn't add up. this is very troublesome. I asked for an escrow analysis and their calculations are nothing short of fraud. I will be reporting this to the State of Georgia, The consumer protection agency and 5 on your side news.