Cardinal Financial Company, Limited Partnership
Headquartered in Charlotte, NC, Cardinal Financial is a nationwide direct mortgage lender that provides modernized home financing solutions. Since 1987, we’ve been committed to facilitating a lending experience of unrivaled transparency, simplicity, and value. We have nearly 1,000 employees across the country who are routinely generating billions of dollars in loans and connecting borrowers to their homes every day.
Only mature lenders with a proven record of success achieve the status of “approved lender” for Fannie Mae, Freddie Mac, and Ginnie Mae as well as “approved lending institution” for the FHA, VA, and USDA. Not only has Cardinal Financial earned all of these approvals, but we have consistently maintained the high standards required by them.
Each time I have been pleased with their responsiveness and ability to et the job done.
I beleive this is third time I have done a mortgage with them.
Because of the raised threshold in the current market, we had to plow through and awful lot of paper work, Dannielle kept the process moving and Octane made things easier. In the current market she and I had to update the files with something new every few days, but as long as I was responsive, she was as well. I have no compliants.
I am a very satisfied VA refinance with cash out customer.
Yes, these are trying times, but interest rates have been driven down. This has also created an unusual load on lending institutions..
I have seen a lot of complaints because people are not getting the closing times they would like.
Think about any businesses whose orders have exceeded their production capacity.
With Cardinal, closing was not as fast as I would have liked, but in the end they delivered everything they promised. Communication was superb and timely.
Because of the delay in closing, they extended my rate lock several times with no additional fees.
When i finally closed, the numbers matched or exceeded the initial quote I was given.
Peyton Roehlk is a great loan officer. Her excellent customer service went beyond what was expected from us during the loan process. She keep us informed of any issues and what we needed to provide to keep the loan on track.
I would recommend her to handle your loan.
Very helpful, very knowledgeable, and couldn't have asked for a better mortgage helper. Six stars if I could. Thank you David Young and Candace Esquivel !!!!
Boasting fast closings, a huge variety of products and many low-down-payment options, Cardinal Financial is a technologically innovative mortgage company headquartered in Charlotte, N.C. The company started in 2013 and had a total 2017 mortgage volume of $979 million.
At its 118 locations, Cardinal Financial writes loans for the purchase or refinance of many properties that other lenders won’t, including:
The company underwrites loans for borrowers with credit scores as low as 580 for FHA loans and 620 for conventional loans.
The company is licensed to lend in all 50 states and Washington, D.C.
Cardinal Financial has a range of products for borrowers who want to buy a new home or refinance a property.
One of Cardinal Financial’s biggest priorities is to equip borrowers with many options to do business. In an interview, company representatives said Cardinal does not take a one-size-fits-all approach and instead tailors the experience to the borrower’s preferences, comfort level and tech-savviness.
Borrowers get a link for the proprietary Octane dashboard once they talk to a loan officer. The borrower can choose to rely on Octane and its updates to follow the progress of the loan, or they can call their loan officer at any time throughout the process. In addition to being secured and constantly updated, the Octane dashboard is universal, so everyone — from borrower to underwriter to processor to loan officer — can see the same information. That means if the borrower needs to call the general client care line because their loan officer is unavailable, the representative who answers the call will be able to see everything the loan officer would.
Editorial Note: Parts of this article were reviewed by a lender to ensure accuracy prior to publication. The overall conclusions, recommendations and opinions are the author’s alone.
The information in this article is accurate as of the date of publishing.