I am a RE agent dealing with an out of… I am a RE agent dealing with an out of state buyer using this company. Almost ZERO communication regarding whom to contact & important deadlines! -The LO I was told was handling it...was not. I wasn't given the name of the correct contact person until I did a lot of digging after being ghosted -Appraisal deadline: if the buyer doesn't get the appraisal back in time for the deadline, they are legally liable to pay the offer amount regardless of whether it appraises! (Do they CARE about their customers?) I called the appraiser to find out when it was submitted because the person I was in contact with, didn't know where it was. I told them that they DID have the appraisal, because she had sent it to them right away after doing it, (Then it was "magically" found) -LC deadline. I know many states don't have this, but if you have a license to operate in a state, you'd better know what that state's contracts require! And not wait till nagged to provide the documentation by the deadline...to the correct parties. (Don't act as if it doesn't matter!) -Did not really do anything of their own initiative regarding getting important info & docs to me -Interest rates are less than stunning. The buyer could have saved as much as 2 percent if they'd used a different lender...

Tim White and Lacy make a great team! Tim White and Lacy make a great team! It was our first time buying a house and they walked us through it along with our Realtor. Communication was always top Notch and they worked their butts off to make sure we got everything in order and we could close on time and we did!! From the beginning to the end they always cheered us on.

Elizabeth Ramirez was wonderful to work… Elizabeth Ramirez was wonderful to work with!!! She explained everything and made it happen plus gave me tips along the way. The process with Cardinal financial was so easy. She worked so well with our Realtor which made buying my first home on my own a wonderful experience!!! I would highly recommend her and her team!!!

No need to go anywhere else First off I don’t write many reviews but in this case I could not wait to do it. The amazing Sonia Nangia did hands down the most incredible job Ive ever seen a professional do. Absolute attention to details, constant communication, always on top of everything. If you want the smoothest process with the least amount of headaches or uncertainty, you will not find anyone better than Sonia. Me and my wife are eternally grateful as she totally saved our butts and we were able to close after a very difficult and intricate mortgage. Not only do I recommend her for everybody but any future mortgage related transactions will not be with anybody else. Thank you Sonia!!!!!!

Don't use Bill Leear Loan Office. What do you means what went wrong this time? I'm a Realtor and would like to share a horrible experience I had with Bill Leear Loan Officer with Cardinal. I gave him two loans, one for a refi and the other was a Sales and Purchase. He was unsuccessful and ignore pertinent information regarding my client before starting the loan process. Which should have been check prior to the loan. This tells me in my twenty years of doing Real Estate he is not experinced or he really didn't want my client to have the loan. In addition, my client spend a lot of unnecssary funds. So I want to end with, I hope no one will experinced this, just down right ridiculous.