NMLS# 66247
4.7 of 5starsRead Reviews
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 4,000 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.
Excellent Experience
Working with Josh through this process was just an excellent experience. He made this process from start to finish just smooth as possible. I cannot thank him enough. Top notch communication, friendly, knowledgeable, and very personable. I truly believe he puts his heart into being able to help make your home dreams come true. Thank you to Josh and the team.
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Do not refinance with this company
I refinanced with Cardinal, and when we went through the refinance process last year, I told them that we need to pay special attention to my escrow amount. And that in my previous refinance (with a different mortgage company), I got a letter within a year stating that my escrow had been mis calculated and I owed them around $4,000. I told Cardinal this, and REALLY needed to have my escrow calculated correctly so I wouldnt be stuck with shortage in my escrow account later on. Lisa Cox my loan specialist assured me this wouldnt happen. But I just got a letter that the same thing has happened. The amount of $3,062.40 is being "Spread out" over 12 months increasing my payment by $255.20 per month. This is MORE than the amount I saved when refinancing and an increase of 10% of my mortgage payment each month.
In the end I am the one out money because they cannot manage my escrow. Also, they wont let me manage it. Stuck with a bill I tried desperately to avoid.
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So helpful and friendly
Lisa is one of the best sales persons I’ve worked with. She makes it simple and easy. Engage with her
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Loan officer directory
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Thomas ShmelterCharlotte, NC
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The LendingTree Certification Program recognizes Lenders and Loan Officers with outstanding performance on the LendingTree Network, they are committed to providing exceptional customer service and are graduates of LendingTree University.
