Cardinal Financial

My overall experience with Cardinal was pretty good bordering on excellent.

My Loan Originator, [redacted], was very professional and very personable. He was always there when I had the tiniest of questions and very quick to answer them. He even found a deal when other companies told me there was nothing they could do.

My Loan Processor, [redacted] was also very personal and very professional. She also answered any questions that I had. She was very respectful of my time when it came to the follow-up call. She answered questions about the disbursement of funds and even gave me the phone number to the escrow company to follow-up with them.

The only complaint came from the loan signing scheduler. He was not very professional and he put a lot of pressure on me to sign the loan when it closed the same night. It was like dealing with a used car salesman who needs to close the deal immediately. I wanted to review the disclosures that evening and there was also some question about the impounds. They were not correct so I obviously I wanted this to be taken care of before I signed the loan documents so I would't have to go through a long, tedious back and forth with Customer Service later. Plus, my wife wasn't available to sign and there wasn't enough notice to change our schedules.

Other than that, working with Cardinal was very positive.

One suggestion would be to give a timeline about what happens AFTER signing the loan documents. It was very nebulous as to when the loan would fund, when the debts would be paid, when I would receive my own disbursement. The escrow company I phoned never called me back. It might sound crazy but perhaps using a tracker like the Dominos Pizza Tracker. After the loan is signed it should indicate when the title was recorded to when your old mortgage was paid to when the funds are disbursed. Just a thought. This would have helped me instead of "waiting in the dark", so to speak.

Overall, a positive experience with Cardinal. I recommend them for your refi needs.