Cardinal Financial | NMLS #66247


Recommendations (918)

3 days ago

Oscar & Amy R. recommend Edgar Aranda

This is the second time we’ve worked with Edgar, Anita, and their team. They made the whole process a breeze and kept us informed throughout the process. They answered all my questions and were always pleasant to talk to. Highly recommend them!
May 14, 2024

Claudia A. recommends Anita Aguilar

Anita and her team are wonderful. They kept us informed of each step along the way. We cannot thank them enough for the great attention to detail.
Apr 26, 2024

Jose V. recommends Edgar Aranda

Our heroes! Edgar and Anita's team truly can make miracles happen. My family was on the verge of becoming homeless in less than 30 days. Edgar and Anita's team were able to help us get our credit history in order, approved for a home loan and closed, on our first home in 17 days. Amazing! So, many attempts in the past we tried to purchase a home, always denied. Even though we have good jobs and income something always seem to go wrong. We came to terms that we would never be able to purchase a home. Our current home that we rented was sold, so we were desperate. Luckily my good friend referred me to Edgar and Anita. She told me if anyone could help us get approved, they could. I thought to myself it would be like all the other attempts we made to purchase a home in the past and fail. I was SO wrong - their team worked and worked with us until they found a way to get us approved. Under extreme time constraints and unbelievable stress, their team always their to guide us in the right direction. Even when we were ready to give up. Thank you for all your patients and knowledge. The entire team was outstanding. Professional kind, non-judgmental, and most important, they stuck with us every step of the way. Always available to answer my questions promptly. We never thought buying our own home would be possible their team made it happen. Thank you so much for all her hard work and dedication to our family. We appreciated your help, so much. We will refer all my friends and family to you. Thank you.
Apr 15, 2024

Thy Le recommends Anita Aguilar

Anita and her team delivered beyond expectation. They were able to get us pre-approved in 24 hours and helped us close escrow in 9 calendar days! We are still in disbelief that we are homeowners now because the whole thing happened so fast and seamlessly.

It was hard not to stress out during the entire process, but they were there every step of the way, kept us in close communication, and were on top of everything. We don't think we can ever find a better team! We are extremely grateful for their part in helping our dreams come true.

We totally recommend Anita's team, especially if you are new to this. They are THE ONE you'd like to get help from. Thanks to the team again for your professionalism and down-to-earth attitude. We hope to work with you all again on our next home purchases.
Apr 8, 2024

Vargas Family recommends Anita Aguilar

First-time Home Buyers

Working with Anita and her team at Cardinal Financial was a game-changer for us in our home-buying journey. We were bracing for a complicated process, but they made it surprisingly straightforward and stress-free.

Anita was our guiding light right from the start, shining bright with her deep knowledge and unwavering support. When our first home purchase stumbled due to unforeseen HOA complications, she didn't just keep us motivated—she instilled in us a sense of resilience and hope. Her confidence and proactive approach were contagious, keeping our spirits high even in the face of disappointment.

It was during our second attempt in escrow that Anita truly showcased her exceptional skills. Her ability to think outside the box and her tireless advocacy on our behalf were nothing short of miraculous. It wasn't just her technical expertise that made the difference; it was her genuine belief in our dream and her determination to see it through. The moment we received our loan approval, thanks to Anita's efforts, we were left in awe. It was a testament to her incredible proficiency and dedication to her clients.

What also impressed us was how Anita and her team managed to make the entire process feel so manageable. They were always on hand to answer our questions and sort out any issues, ensuring that everything progressed without a hitch. It felt like they were taking care of the heavy lifting, allowing us to focus on the excitement of buying our new home.

We're incredibly grateful to Anita and the entire team at Cardinal Financial. Their support and professionalism didn't just help us buy our home; they made the journey enjoyable. For anyone looking to buy a home, Anita and her team come highly recommended by us. Their ability to simplify the home-buying process and remove the stress was truly remarkable. Thanks to them, we're now happily settled in our new home, and the whole experience was much smoother than we ever imagined.
Apr 5, 2024

Elizabeth A. recommends Anita Aguilar

I have nothing but amazing things to say about this team! From helping us purchase my childhood home last June to helping us with a cash-out refinance last month, they have been so helpful throughout the entire process. I love their communication style which includes check-ins, phone calls, and text messages that really keep us in the loop the whole process but also explain everything in terms we can understand and grasp. I cannot stress enough how thankful we are to own our home and be able to live in beautiful San Diego County. We are especially thankful to their team for putting up with our incessant questions and phone calls and for always being there for us when we need them. We highly recommend Cardinal Financial and look forward to working with them again in the future :)
Apr 2, 2024

Karla G. recommends Edgar Aranda

Event Operations Manager

Anita and Edgar did an amazingly fast job getting us into our home. Their team’s understanding and guidance through the SDHC homebuyers assistance program was essential to our home purchase. I would like to give a special mention to their team. They took my first call of inquiry, “held my hand” through many critical decisions, and has been a invaluable resource even now, 6 months after closing. As a single, first time homebuyer I am so grateful to have found true partners in what could have been an overwhelming step in life.
Mar 19, 2024

Manriquez Family recommends Edgar Aranda

We highly recommend Edgar, Anita, and their lending team. They were very helpful and accessible during this whole process. We were kept informed the whole time, recommended a great realtor (Maria!) and in less than a month we closed escrow! Thank you for making our dream come true… we’re now homeowners!
Mar 14, 2024

Brett S. recommends Anita Aguilar

I don't know where to start! Anita and her team made my dream come true. From the very first phone call until after closing she kept me in the loop and handled everything for me. Made sure all my T's were crossed and all I's dotted. I couldn't of done this without you all. THANK YOU!
Mar 11, 2024

Kimberly M. recommends Edgar Aranda

This is the 2nd time I used Edgar and his awesome team. I have closed in less than 15 days on the property we bought in Bakersfield. They made my home-buying journey so smooth and helped me until the end. I am so grateful for the team and will be using them again for our next investment property.
Mar 6, 2024

Jose and Rebecca A. recommend Anita Aguilar


Anita and the rest of her team are so easy to work with! We did our complete transaction online, as we are not locals to their area. They did such an awesome job at keeping us, the Borrowers, in the loop. We communicated via emails, text messages and voicemails. Their timeline of how we completed the loan process was very smooth with zero issues. Anita's team is fast to move the borrowing process along. They are very clear, specific and knowledgeable. Anita seem to truly look out for what is best for her Borrowers. We have enjoyed the process of our refinance and will continue to reap the benefits. We highly recommend them to everyone!
Mar 1, 2024

Christina S. recommends Anita Aguilar

Anita and her team continue to exceed all my wildest expectations! They communicate clearly and quickly and do literally whatever takes to take care of their clients needs. Cannot recommend her enough!!
Feb 27, 2024

Maria Fernanda Castro recommends Anita Aguilar

Real Estate Agent | POMPEYO GROUP

Working alongside Anita, Edgar and their lending team has been such a blessing for us and our clients. As a high level performing Real Estate Team we rely heavily on them. We always recommend them to our clients. They’re remarkable!!!!
Feb 27, 2024

Marcia Spurgeon recommends Anita Aguilar

Co-Owner of Real Estate Results

First time we have worked with Cardinal Financial and Anita. We represented the seller. Anita and her time were great, on task and on time. We will recommend Cardinal Financial. Thank you for an outstanding job.
Marcia Spurgeon
Feb 27, 2024

Oleg Sh. recommends Edgar Aranda

Thanks to Edgar and Anita team we bought our first house. Their team did an amazing job. They stay in touch all the time and answer all your questions. All this made our process of buying the house very fast, easy and hassle free. Thank you very much. You are the best!!!
Feb 23, 2024

Gerald Walton recommends Edgar Aranda

The seamless coordination by Edgar Aranda made our home selling and buying experience feel like a perfectly orchestrated symphony. Their prompt responses and constant updates kept us well-informed every step of the way. The synchronized escrow process, culminating in a series of consecutive closures, felt like the stars had aligned in our favor. Closing on our home, purchasing a new one, and seeing the sellers close on their property in such a smooth succession left us elated. Edgar Aranda and their team's professionalism and efficiency made our transition an exceptionally joyful one. Grateful for their exceptional service.
Feb 7, 2024

Lucy Zion recommends Edgar Aranda


What a wonderful experience dealing with Edgar Aranda and Anita Aguilar at Cardinal Financial. I represent the Seller in Temecula and was not familiar with this company in San Diego. However, they worked as diligently and efficiently as possible. Great communication every step of the way and I couldn't be more pleased. I highly recommend working with this lending team of mortgage professionals. I will definitely keep you both in mind. Thanks again for all your hard work and diligence. We even closed early!
Lucy Zion
Century 21 Masters
CA DRE 01971150
Feb 6, 2024

Luke M recommends Anita Aguilar

Anita and her team are literally a case study of incredible customer service & wonderful results. Not only can you tell that her and her team put in the hard work...but they are always checking-in, keeping you updated, providing clear and detailed information throughout the entire process, helping you understand any questions or concerns -- and always always making you feel confident and comfortable. I could not recommend Anita and her team more.
Feb 2, 2024

Martin R. recommends Anita Aguilar

Where can I start?... Anita did a tremendous job helping me and my wife get amazing results with our forever home! I have nothing but gratitude for her hard work and her passion to help her customers achieve their financial goals. It was a pleasure working with her and her team. I would 100% work with her again ! Thank you, Anita
Jan 18, 2024

Judith L. recommends Anita Aguilar

The team at Cardinal Financial made our home purchase process quick and easy. They answered all of our questions and guided us every step of the way.
Jan 8, 2024

Nicole M. recommends Anita Aguilar

Honestly, there is nothing that could improve my overall experience with your team. You were so helpful, honest, responsive, and educational. I couldn't imagine a better first-time home buying experience. When I told our notary that you guys had already walked us through all of the paperwork, he said "oh wow, you guys definitely have a good lender then." I think that says it all. ;)
Jan 8, 2024

Jeffrey B. recommends Anita Aguilar

Happy client

Anita and the team helped us after hearing about our unique situation. Everyone was very professional and kept us informed with every step. I should've known this would work out when Anita ended our first conversation with "You're in good hands." Thank you team for all your hard work, dedication, and professionalism.
Jan 3, 2024

Florencio & Martha B. recommend Edgar Aranda

Edgar and Anita are the best loan team, we had a wonderful experience through the entire process towards our home loan. They guided us every step of the way. We highly recommend them.
Dec 27, 2023

Emily L. recommends Edgar Aranda

Edgar and his team gave me updates often with many details regarding the status of my loan. It was a bit of a complicated loan, but the team was able to figure out a solution that worked for me. Thank you!
Dec 21, 2023

Asghar & Soheila recommend Edgar Aranda

Our family are always happy to have done our mortgage through your company. You and your team are professional and so friendly. Thank you so much, and God bless you and your family.

Our Team