If I could give a million star rating I would!! We had been applying with one lender and another since January 2022. Some of the initial lenders would make the initial contact and then drop us off their radar and from the others we would simply not hear back from them. After some online searches I found Anita and her team. I submitted an inquiry and Anita quickly reached back out to me, ensured that her team would take care of us and let me know that I could call her or her team with any questions or concerns we might have. I immediately realized that her team would be the lender that would get us ready for our home search. We began the underwriting process and their dashboard made it extremely easy to upload and sign documents. Very user friendly! I had a ton of questions and would keep reaching out to Anita and she would gladly provide her recommendation and feedback. After about a week or so, I had reached out to her again and let her know that we needed a new agent and then she recommended us to an amazing realtor, Veronica Morin. We went on one day of showings (it was a Monday). Then, that same week on Wednesday, we submitted an offer on a house and by Thursday of the same week we were in escrow. I give credit to Anita's team which had us ready to close escrow in 17 days and also Veronica's constant communication with the seller's agent for getting us our home in such a quick and painless process. Special shout out to Anita's team who would constantly call for updates and reminders to help us stay on top of our escrow process! Really appreciated that I could call them for any updates and go the extra mile to ensure nothing got delayed with escrow. If we wouldn't have documents or something was missing, he would make the necessary calls and get the ball moving again. Truly appreciate Cardinal Financial for taking care of us the whole way through and not just seeing us as another job. My wife and I extremely recommend them for your home buying needs! read more

Where do I even start?!? First and foremost Anita and her team always knock it out of the park and go above and beyond what is expected! Secondly, this is the second time Anita and her team have helped us with our home buying mission! With our first home it seemed so fair fetched but somehow she walked us through it and made home ownership a reality! Now 3 years later as we looked for our forever home, Anita was right by our side, making our dreams come true! I am a worrier by nature and Anita and her team were able to walk me through ever step and answer ever question no matter the time or place! Words cannot express my gratitude to this amazing team and if I had to do it all over again, I wouldn't change a thing. If I ever need to buy another home (hopefully not in the near future), I know Anita and her team will be there to continue to support me!! If your looking to buy or refinance, this is truly the team you need to turn to!! Thank you so much for putting up with my crazy, calming me down, helping me understand and getting me through ever step!!! Forever grateful !!! read more

Cardinal Financial - Our Dream Home ! - Mortgage Lenders Near Me - San Diego, California

We can't thank Edgar, Anita and their team who have literally held our hands through what we expected to be a stressful process, enough. They have not only been super professional, but have been rooting for us since day one! If you want prompt, reliable, above and beyond service- please do yourself a favor and contact them for your home buying needs. Thank you guys for making our dream a reality!! read more

I cannot state how impressed my wife and I are by the whole team at Cardinal Financial. Edgar and Anita really have assembled a great crew. The team was always just a call away. Roadblocks were reduced to rubble thanks to their non-stop efforts to see our home purchase through to the finish line. They explained everything to us, and was there whenever we needed help. Thanks, Cardinal Financial, for helping make our dream of owning a home come true. read more

Cardinal Financial - We just but a home! Thanks Cardinal Financial! - Mortgage Lenders Near Me - San Diego, California

Anita and her team were amazing! Prompt, Responsive, Patient, and Knowledgable. Explained every step of the way which as a first time home buyer was very much appreciated. No surprises! Thank you again and would recommend ! read more

I had a great experience with Edgar, Anita, and their team from the very 1st day they communicated with us. They made sure that we fully understood the home loan process since we were first-time homebuyers. They assisted us on navigating the process of obtaining the loan. They made sure all our questions were answered promptly, our documents were the right ones, and they reminded us diligently on what we should do or not along the way. Overall, it was a rewarding and positive experience. Edgar's team made me realize that Home-buying is not as stressful as others perceive it. I highly recommend Edgar's team to anyone who wants to be a homeowner. Awesome team! read more

It was such a pleasure to work with Anita and her team for our refinance. We have talked to two separate banks prior to Anita and by far, she was the easiest, smoothest and most knowledgeable. Our case was a little specific and unique compared to a straight forward application process. The title and the document signing over-seas were involved. She still figured it out what's best for us and it worked without any hiccups. She and her team were always reachable and their reply was always prompt with some personal touches. I wish I could purchase more homes knowing her service would make it so easy and fast. :) Thank you very much, Anita and the team! You all are so wonderful! read more

Earlier this year (2019), I contacted Edgar and Anita to purchase a home using the VA Home Loan, which required a funding fee. The funding fee is a percentage of the loan amount, but will vary depending on certain situations. For me it was approx $7K. At the time of the loan, Edgar and Anita, mentioned that if I was receiving any disability compensation from the Navy, then the funding would be waived. But at the time of loan, I was not receiving any compensation, although I had a case pending. Few months later, I was finally awarded with my disability compensation. With the good news, I contacted Edgar and Anita again, and without delay, they began the necessary paper work to waive the funding fee with our mortgage holder. In few weeks, my funding fee was auto-deposited into my bank account. With that bit of information from Edgar and Anita at the beginning of our loan process, we would have never known about refund of our VA funding fee. Just another example of superb customer service from Edgar and Anita - educated us on VA benefits, and acting promptly when called upon - To Edgar and Anita... Thank-you! Ben & Evelyn read more

Thank you Edgar, Joel, and the whole team for making our first home purchase a pleasant and EASY experience. Everyone was very professional, hardworking, and patient as we navigated through this process. And.. to keep the momentum going, they sent us a box of yummy cookies:) They go above and beyond to stay connected and personable. We can't express enough of our gratitude. read more

My journey with Anita and her team has been outstanding from minute one. Anita accommodated to my crazy schedule and the ton of anxiety over finding a new home for my little family with a quick turnaround. We had all odds working against us; Fair credit, student loans, credit card debt and small savings for a down payment. Anita's confidence and expertise gave us an unprecedented peace of mind and removed all anxiety from this process. She gave us 3 different programs and explain them in a simple but detailed matter. Anita's contagious confidence and enthusiasm made the entire loan and home-buying process a great experience. We recommend Anita and her team to everyone that wants to be protected, advised and cared for through their home-buying process. Thanks, Anita and team, you made our home a reality! read more

We want to share our experience with Edgar, Anita and Maria to get our first time ever dream home; it was actually a super easy process, we were nervous as we didn't knew the path that we should take to buy, this team did so great, they clear all of our questions and they answer every single call when we had a doubt until we found the best option for us, there was no moment at all where we felt compelled or pressured to make the call for the purchase, as they were very understanding, because they know that this is a huge decision for our family, we went to visit houses with Maria, who helped to choose, she is SUPER nice, she did not put any pressure at all, and she profile our search to offer us properties with the characteristics that we were looking, until we found the one. Then the amazing team of Edgar and Anita did an amazing job for the financial side of things, having us in escrow and getting everything approved in less than three weeks, we could not believe when we got the house keys on our hands. This is the best team I could select to work with, they are honest and tell you with the truth, they will be working so hard until you find your dream home as it happen to us, this team will make things happen! read more

Edgar and Anita helped us navigating the home-buying process for our first home purchase in the United States. Edgar was very professional and answered all our questions. To be completely fair, we felt that there was some unnecessary stress here and there in the process due to occasional communication issues. Our feedback for Anita is that timeliness and transparency in communication is a potential area for improvement. Nonetheless, ultimately we were able to close on time and everything went as planned, so we are satisfied with the outcome. Thank you, Edgar and Anita, for helping us buying our house. read more

Anita did an awesome job guiding us in our first home, she explained us everything in detail and she always found a way to help to make the purchase a good experience. Thanks for my mat, my stamp and the delicious cookies! This is the way to go if you are a first time buyer! read more

Edgar, Anita and their team went above and beyond for my husband and I from the very start of our refinancing transaction. They were wonderful to work with. Communicative and processed everything in a timely manner. My husband and I were initially going with our previous loan officer and after speaking with Edgar and Anita, we felt more comfortable going with them. We are glad we did as they made the process quick and smooth. They are the absolute best we've ever worked with and will continue to work with them. We cannot recommend them enough. read more

Thanks to Edgar, Anita and their team, we are now first time homeowners! Edgar and his team did such a great job explaining the mortgage loan process and keeping us updated each step of the way. They were knowledgeable, kind and caring. You could tell they wanted to help us out in any way they could to make this possible for us. Their process was so smooth and so fast! We were able to be done with all the paperwork prior to our close of escrow. The Cardinal team surpassed all our expectations. Truly thankful to have found them when we did! read more

Thanks to Anita, Joel and Victoria (and probably others behind the scenes) who all helped with my home purchase. I am very excited to share that we closed in 19 days, all in thanks to Anita and her team! This is my first home purchase and having never gone through this process before I wasn't sure what to expect, but WOW! 5+ Stars!! From the first call with Anita and subsequent calls with her and her team at PHE I was never left in the dark - I knew the game plan from the get-go and where we were at every step. Whenever I needed Anita or the team they were there for me to answer my questions or give me advice. There are complexities to house buying I just hadn't thought of and in my situation in particular but never was I left feeling undervalued as a client, unaware of what was going on or what was needed of me to make this happen. I had total faith and confidence in Anita and her team in every step in the process. Thank you Anita and team for giving me this opportunity and getting me into my first home. read more

I was lucky enough to be introduced to Anita when I purchased my home in 2015. Since then, I have refinanced twice, once for debt consolidation and second for a better interest rate. I have much trust in my relationship with Anita and with Cardinal Financial. This institution and their employees are honest and provide quick turn around and always close timely. Even during a pandemic, the refi process was seamless and done quickly! 5 star service! read more

Anita and her team are simply the very best!!! They know exactly what they're doing, they get things done, and to boot, ahead of schedule!!! I feel very fortunate to be able to work with Anita and her team!!! read more

Anita and her team did an amazing job making me feel comfortable. My refinance was so quick and easy, in the middle of all this chaos. They always made sure all my questions were answered and were very professional throughout this process. I truly appreciate all your time and patience and answering my million questions. Thank you for everything you do in making me feel safe and comfortable every time I have worked with you. read more

We had the pleasure of working with Russell from People's Home Equity, he took great care of us during the home buying process, making it a great experience for us. Russell is very knowledgeable at his job, he is very easy to talk to and get a hold of. We highly recommend Russell and his entire team at People's Home Equity. We will definitely work with Russell and People's Home Equity in the future, along with recommending him to family and friends. read more

Cardinal Financial - The Fuentes family having a great time - Mortgage Lenders Near Me - San Diego, California

The only company I will ever work with the worked tirelessly to make sure my home happened even with a escrow company and builder against us they delivered on time and on point I can't say enough about how awesome Anita, Edgar and Joel were.... pretty much to go anywhere else is a bad investment. read more

I could not be happier with my experience with Peoples Home Equity. After trying twice to refinance with a big bank I did some online research and discovered larger banks were not best and consumers should use local businesses. So I went to Lending Tree to get some quotes. Russell and Peoples Home Equity got back to me immediately. Their system was completely online and convenient from financial document uploads to online digital signing, I never had to leave my office. Russell and his team were always available and I was very pleased with their continued communication throughout the process so I knew exactly what was going on. What I was most impressed with was Russell's number crunching and financial advice. He came up with a debt consolidation solution that eliminated all of my other debts, reduced my monthly mortgage payments, and saved me over $900 a month in bill payments!! I'm still pinching myself and I am eternally grateful for Peoples Home Equity. This has been a huge relief, like a boulder lifted from my shoulders, and I'm walking on cloud nine. read more

Edgar, Anita & their team are such an amazing team to work with! They truly are on top of it and make sure we are understanding every step of the process. They are always available to answer any questions you may have. I truly recommend working with their them as they go above and beyond! Truly grateful for each and every one of you and how easy you all have made this transition be! read more

I highly recommend Manuel Vizcarra, a true and dedicated professional, he is very honest and experienced , I have closed two deals with him and looking forward to do more! Im a very satisfied customer living 500 miles away from his office and hasn't been any issue, this is the right place to be if you want a trusted service. Best of all HABLA ESPANOL read more

Edgar and Anita, I'm very grateful for everything and helping me and my family with my home loan, I highly recommend Cardinal Financial, they were very helpful since the beginning, Edgar, Anita and their whole team are professionals and know what they are doing, they are very knowledgeable and explain process from A to Z. All that said, they're very nice people. read more

A few months ago, I sat down with Anita and her team to discuss my options for buying my first house. The whole process went so smoothly, I didn't have to worry about anything. With their help, I was able to find a house in a great neighborhood for a fantastic price. I always thought buying property was difficult, but it couldn't have been smoother. I highly recommend Anita and her team to all of my friends! read more

Anita and everyone at People's Home equity are amazing. She has excellent rates and top notch service. They make the entire process really easy and take good care of you. Highly recommended. Thank you! read more

It was not long ago that my husband and I felt defeated and discouraged hearing that we would not pre-qualify for a home loan. While working with another loan agency, our realtor recommended we speak with Edgar as we weren't gaining very much information from the lenders we had been speaking to. Edgar spent over an hour listening to our situation and guiding us in step by step directions to how we would reach our goal of qualifying to purchase a home. We followed that advice and not even six months later we are about to close escrow on a home that we could only dream about buying so soon. Thanks to Edgar, Anita, and their team we were able to get pre-approved and get our offer accepted on a beautiful home that is perfect for our family! With only a week before closing we feel at ease and confident in our transaction. They have answered every question with detail and patience and they have made this entire process peaceful and smooth. If you are in search for expertise lenders who will go above and beyond to assist you then I highly recommend Edgar and Anita! read more

We purchased our first home a couple of weeks ago and the whole process was amazing thanks to people's home equity and the help of Edgar Aranda. He made sure all our questions were answered and any concern we had. We are so grateful for his help. We would totally recommend this team to anybody interested in purchasing a home. We couldn't be happier with our decision. For now, time to enjoy our new Home. Thank you again!!! read more

My husband & I had the pleasure of working with Anita Aguilar for our first time home buying experience and again recently for our mortgage refinance. Because we had such a great experience with Anita in the past, we knew we'd be in good hands, She provided us with great advice so now we'll be saving some money each month. Thanks Anita! She's very knowledgeable, friendly and makes you feel comfortable and at ease throughout the entire process. She's patient and responsive to any questions you might have. Anita is backed by a team who is efficient & on-point. Shout out to Matthew, Roxanne, Danielle & Victoria - you guys rock! We also appreciate how Peoples Home Equity provides convenient tools for customers to be able to do most things online from their computer or cell phone. They even provided a Notary who came to our home one evening after we got off from work to sign our final loan documents. Wow! Our escrow closed on time and at the interest rate we were quoted. Once again, Anita & her Team exceeded our expectations and we couldn't be more grateful. With so many mortgage companies out there to choose from - why gamble and risk picking the wrong one? For quality customer service you can depend on, we definitely recommend Anita Aguilar & Peoples Home Equity! read more

Anita was our last hope. We had been turned away by other loan agents and told our mortgage goals were unrealistic because of the complexities of our financial situation. Anita came up with several options using very creative strategies and eventually got us an outstanding mortgage to get us into our dream home. She was very understanding of our complex financial situation and happily took it on when no others would. She fought for us and clearly was our advocate when working with the underwriters for the loan. We emphatically recommend Anita and her outstanding team as a loan agent. We now are settling into our forever home and are thankful to Anita for making it possible. If you are looking for a loan agent, go with Anita Aguilar - you will be thankful you did. read more

Edgar, Anita, Meghan and the whole team are amazing. They truly have patience to help you through every step. It's a lengthy process but in the end they will take care of you. read more

We highly recommend Anita and her team, this is the third time that we work with them. Anita and her team guided us to refinance our home getting an excellent interest rate. Anita made knowledgeable recommendations and supported us through the process. Her team members were very professional maintaining communication with us at all times. Thank you so much Anita! read more

Huge shoutout to Anita and her team! This whole process is a first for my wife and I. Anita and her staff were super helpful, thorough, and really made us feel at ease with this huge step. They cut a ton of the stress off of us by going above and beyond to help with all the necessary steps we've taken in the purshace of our home. If you are looking to work with a team who is all about getting the work done while operating at a high level, but also make you feel like family at the same time I'd go with Anita and her amazing staff. Very happy with the support we received from them! read more

Anita and Edgar go above and beyond for their clients. They are very knowledgeable and explain the loan process very well. I have referred several family and friends to them and they all had the same great experience. I highly recommend Cardinal Financial!!! read more

Over the last few years, we have stayed in close contact with Edgar to start the process of purchasing a home. As first time homebuyers, we were hesitant to buy a home in 2020 due to the pandemic but Edgar made us feel comfortable with our decision. He has been amazing throughout this entire process and has always been upfront with us which we appreciate so much. Well, we purchased a home and Edgar and his team (Joel & Sia) made the process amazing for us! They communicated with us every day and kept us updated on this entire process. We highly recommend them as lenders and we're excited to continue working with them read more

Initially, responsive and helpful. Then went completely dark for know apparent reason. Ultimately I had to go elsewhere.

Anita is the best! She was cheerful and positive throughout the whole process. She always helped us with anything we needed, and was extremely attentive. She made our first home buying experience less stressful and easy! read more

Anita and her team were able to take a complicated case like mine (self employed + other unusual factors) and get two loans funded for me in less than 30 days. Her knowledge is unmatched in the industry considering I've been in Real Estate for 15 years and have always sought loans from lenders. I know who to go to anytime I need a loan to fund! Thanks Anita and Team! read more

I'm an expat on an L1 Visa and genuinely didn't think I'd be able to purchase a house in the US; PHE changed that and helped me when other brokers were not able. I found the whole process to be smooth (as smooth as buying a house can be) and the team to be communicative and professional. Thank you all for your support and helping me buy my dream home. read more