Cardinal Financial | NMLS #66247

I can’t say enough good things about Anita and her team. They were amazing to work with and helped us through every part of the process. Anytime I had a question, they were right there with an answer, and they worked incredibly hard to make our short closing timeline happen. They made the whole experience so much smoother, and I’m honestly so grateful for all their help. I’d happily recommend them to anyone and will definitely be using their services again in the future.

Throughout the home buying process, Anita was exceptionally detailed, transparent, and supportive. From start to finish, Anita guided us with genuine care and professionalism, making our first home-buying experience seamless and stress free. Anita was always available, whether late at night or early in the morning, Anita answered our questions and provided positive reassurances. Anita went above and beyond to help us achieve our financial goals while staying comfortably within our means. Anita’s strong collaboration with our realtor made the journey smooth and successful, ultimately turning our dream of homeownership into a reality. We appreciate Anita, Edgar, and their team's dedication to us during this process. We wholeheartedly recommend Anita to anyone seeking a knowledgeable, dedicated, and trustworthy professional.

When my wife told me she met Edgar, I was skeptical. I assumed he’d be like every other pushy salesperson—more interested in closing a deal than truly helping us. At the time, we were casually exploring the idea of buying a “retirement house,” but didn’t think it was realistic. We were only 10 years into our current VA mortgage, my wife had just retired from service, and our property had a second lien from pandemic-related modifications. We believed our equity was untouchable, and we hadn’t yet reached our savings goal for a down payment.

I was wrong.

Edgar—backed by his incredible team—made it all happen. What stood out most was the compassion we were shown throughout the process. That kind of care is rare these days. If you’re in a situation that feels impossible, like ours did, give Edgar a chance. He’ll walk you through the options and help you feel at ease. No pressure, no commitment—just genuine support.

Don’t just read the reviews. Experience it for yourself.

To Edgar, Anita, and the entire Cardinal Financial Team: a heartfelt thank you. You helped make our dream come true!

When my wife told me she met Edgar at an open house, I was skeptical. I assumed he’d be like every other pushy salesperson—more interested in closing a deal than truly helping us. At the time, we were casually exploring the idea of buying a “retirement house,” but didn’t think it was realistic. We were only 10 years into our current VA mortgage, my wife had just retired from service, and our property had a second lien from pandemic-related modifications. We believed our equity was untouchable, and we hadn’t yet reached our savings goal for a down payment.

I was wrong.

Edgar—backed by his incredible team—made it all happen. What stood out most was the compassion we were shown throughout the process. That kind of care is rare these days. If you’re in a situation that feels impossible, like ours did, give Edgar a chance. He’ll walk you through the options and help you feel at ease. No pressure, no commitment—just genuine support.

Don’t just read the reviews. Experience it for yourself.

To Edgar, Anita, Sia, and the entire Cardinal Financial Team: a heartfelt thank you. You helped make our dream come true!

When we first started our home-buying journey, we honestly didn’t know where to begin. As first-time buyers, everything felt overwhelming — from understanding the process to figuring out who we could trust to guide us. We had so many questions and uncertainties, and choosing the right team felt like one of the biggest decisions we’d ever make.
Thankfully, we found Edgar and Anita, and from that moment on, everything changed. They were there for us through every single step — answering all our questions, explaining every detail, and making sure we always felt supported and informed. Their patience and dedication truly made a world of difference. It never felt like we were just clients; they treated us like family.
We also had the pleasure of working with their team. They always had the most comforting words when we were feeling stressed or discouraged, and they constantly reminded us to stay positive and patient. Their warmth and encouragement helped us keep going, even when things felt impossible.
The entire team worked incredibly hard to help us navigate the San Diego Housing Commission program, which was definitely not an easy process. There were so many steps, forms, and waiting periods, but Edgar, Anita, and their team stayed right by our side, making sure we never felt lost. Their professionalism, communication, and genuine care made this journey not only manageable but truly memorable.
Looking back now, we’re beyond grateful that we found them. They turned what could have been a stressful, confusing experience into something exciting, educational, and ultimately life-changing. Thanks to their help, we are now proud homeowners — something we once thought was out of reach.
From the bottom of our hearts, thank you, Edgar, Anita, and team, for everything you did for us. You made our dream come true!

Anita’s and Edgar’s team were awesome to work with! We hit a few bumps along the way, but they stayed on top of everything and really went the extra mile to make sure things got done. You can tell they truly care about their clients and put in the hard work to make it happen. Super grateful for everything they did to help us get through the process!

⭐️⭐️⭐️⭐️⭐️
Outstanding experience!
After months of struggling and getting nowhere with other companies, I finally found a team that truly came through for us. Anita and her team went above and beyond to help my father get the loan he needed something we had been trying for so long without success. The process was unbelievably fast, smooth and stress free. Anita was the main person guiding us through everything with so much patience, professionalism, and care. She truly made all the difference. I honestly couldn’t be more grateful or impressed with how everything turned out. If you’re looking for a company that actually gets things done and treats you with respect and kindness, Anita and her team are the ones to go with. Highly, highly recommend!

Thank you Edgar, Anita, and team for guiding me through an extremely complex transaction. I appreciate you taking the time to understand the urgency and uniqueness of my mothers situation and helping her in this challenging time. Your professionalism, courtesy and kindness were unwavering. Thank you again!

This buying process was less stressful thanks to Anita and Edgar. Great customer service. I always got timely call-backs. I received the information I needed and great advice. I highly recommend them.

Simply the BEST! I can't speak highly enough of Anita and her team. This is the second time I've worked with Anita and I'd use her a million times over for any of my future mortgage needs. They worked super quickly to lock us in at a much lower interest rate that allowed us to refinance our home. I trust her completely and she works so hard to do right by her clients. She's so full of knowledge and her expertise is unmatched. And, she's an 11/10 human - thoughtful, funny, smart. I just love Anita and her team!

Anita and her team worked very hard on my loan, it took months because my transaction was very difficult to begin with but they did just outstanding, and never Gave up, kept us informed of everything and worked very hard to make sure we got the loan we needed, I’m super happy and highly recommend them…I can honestly say thank you Anita and team!!

Anita and her group are amazing we have our home in 15 days record!!!! They very professional and efficient people I would recommend 100% we are very happy to meet them, thank you Anita and her group 😃

"My experience with Anita and Edgar was truly exceptional! I cannot recommend them enough for their professionalism, responsiveness, and dedication throughout the entire mortgage process. They went above and beyond to guide me with expertise and transparency.

Thanks to their diligence, care and guidance, the loan process was smooth and efficient. I highly recommend Anita and Edgar's team to anyone in search of a reliable and trustworthy lender. Thank you my friends for making our dream of homeownership a reality and a positive one!!! 🥳

Anita was fantastic from start to finish. She was not only efficient and knowledgable, but she demonstrated leadership and push everyone on my team to a faster closing date.

Anita demonstrated exceptional efficiency in securing my client’s loan approval and funding, allowing us to successfully close on a Brickell condominium in just 18 days.

I’m so grateful for Edgar and Anita’s team! We had an interesting situation where we had two families co-buying a home and both of us are IHSS caregivers and have self employed income. We had been consulting with one other company before them which really helped us see how great this company is. Their team gracefully and patiently walked us through the ups and downs of the whole process by checking in on and Edgar was available to answer any questions we had as first time homebuyers and we had a lot! The whole team is intentional and cares about you knowing what type of loan options you have and what to expect. They were thorough and made sure we were fully pre-approved before we searched for a home which made our closing a quick and easy process.

Anita and her team is who always come to mind for our home loan needs. Once again, they made our experience enjoyable because they made it easy with their guidance.

We had the absolute pleasure of working with Edgar Aranda to purchase our family home, and we couldn’t be more grateful for his dedication, professionalism, and genuine care throughout the entire process.
From the very beginning, Edgar went above and beyond to make sure we felt supported and informed. He was incredibly attentive to our needs, always available to answer questions, and consistently proactive in helping us navigate the complexities of buying a home. His attention to detail and commitment to our satisfaction made all the difference.
Edgar didn’t just help us buy a house, he made sure we found the right home for our family. His warmth, expertise, and tireless work ethic set him apart from the rest. We also want to give a big shoutout to his amazing team, who were equally professional and helpful every step of the way.
If you’re looking to buy a home and want someone who truly cares, we highly recommend reaching out to Edgar Aranda. He’s not just a great representative and he’s a game-changer.
Thank you, Edgar, for everything!

Working with Anita and her team was a very pleasant experience. They were extremely helpful throughout our home purchase and kept us informed and educated throughout the whole process. They were very friendly, accommodating, enthusiastic, and professional. Don't be afraid to ask questions, as they are very easy to talk to. Highly recommended! Thanks!

As a first time buyer, my knowledge on the home buying process was very little. Starting with the initial phone call Edgar, he answered all my questions and gave me insight on things I had not considered yet. The process was smooth and quick. Anytime I called my questions were answered and throughly explained. I am grateful for Edgar and his team for being patient and encouraging! Forever a customer, forever friends! Thank you!Thank you!Thank you!

Our daughter and her family decided to move to San Diego from Washington state, and we went along to help keep their boys entertained while they house hunted. One day we looked at houses as well, while they took a fun day. We found our perfect new home - exactly what we wanted and close by the new home selected by our daughter's family. With only a few days left in our trip, we met with Edgar and Anita and their team to make the purchase happen. They met us in their office twice and held our hands through all of the paperwork, finding a financial solution that perfectly met our needs and allowed us to buy the new property even though we hadn't yet sold our Washington home. With great communication, efficiency, and professionalism, every day they let us know the status of our application, what needed to be done, and what was yet to come. After our return to Washington they continued to make things quick and easy with electronic and phone communication. Edgar, Anita, and their team made the process very easy.

We are Realtors with over 20 years of experience and many client associations in the industry. Edgar and Anita are remarkable. Their communication skills, professional counsel and guidance, and expertise in obtaining loans are amazing. Their office staff is a direct reflection of their leadership in maintaining a positive and encouraging atmosphere. They work well with first-time buyers and/or seasoned buyers, and you can be assured of their proficiency and knowledge. They know their ‘stuff’ and will keep you informed to stay on top of things for a ‘hiccup-free’ transition. We bought our current residence with their help, and it was one of the smoothest purchases we’ve had. They certainly deserve 5 stars….But I would rather give them 10!!! They are that good!

I highly recommend them they were incredibly professional and guided me through every step of the process. As a first-time buyer, it was a great experience. I’m truly grateful that my friend referred them to me. They made everything so much easier and far less stressful. My parents and I will always be thankful.

Edgar, Anita, and team: Thank you all for your guidance on getting a home for a 21 year-old kid like me in not even a month into communications. We were really in a tight spot with the rented house we resided at, and you guys got us what we needed in a flash. I really appreciate you guys on pushing me to submit documents super quick in order to close on time. Thank you!!

Edgar, Anita, and the Team were an incredible help to us! My partner Alan and I were first time homebuyers and had no idea where to start in the process or even what most of the housing lingo meant, but they were all very thorough and explained everything with patience to us. They went above and beyond to explore all the options we had for every home we liked until we found the place we really loved! We couldn’t have done this without them!