Anita Aguilar

Area Sales Manager Cardinal Financial 858-382-0030
Anita Aguilar epitomizes integrity, energy, hard work and expert knowledge in every aspect of her profession. Anita entered the Real Estate Financing industry in 2005 after attending Loyola Marymount University and graduated Magna Cum Laude with a B.A. in Business Administration and Spanish. As a native San Diegan, the city of SD is near and dear to her heart.

In 2017, Anita Aguilar personally helped 146 families become homeowners, which added to a total of $84.2 million in funding given to assist her clients in their dream of owning a home.

“Individually, we are one drop. Together, we are an ocean.” – Ryunosuke Satoro

As the branch manager, Anita understands that she is only one person and that having a stellar team to back her is an integral part of providing specialized service to each and every client. Know you’re in good hands with anyone from Anita’s team. Together, her team has over 60 years of combined industry experience.

o Company President's Club Inductee for top Loan Dollar Volume 2015-2018
o Named one of GSFA's top loan officers 2017-2018
o Named one of's top mortgage lenders in California for 2018
o NAMMBA (National Association of Minority Mortgage Bankers of America) Top 100 Loan Officer
o Featured in El Latino Magazine
o Featured on
o Featured in San Diego Voyager Magazine
Dec 4, 2019
As a first-time homebuyer I was nervous to use any mortgage lender. Anita and her team came highly recommended from a close friend. From the minute I met her, she put all my worries at ease. Anita’s work ethic is beyond expectation and her background/knowledge of the local and national market makes her even more trustworthy. She has amazing energy and is easily accessible for all your questions. She consistently kept me updated with the process and what to expect.

Thanks to Anita and her Cardinal Financial Team we were able to close in 17 days! They are hands-down the best mortgage lenders in San Diego!
Nov 26, 2019
Anita and her team did an amazing job helping our client. Not only did they exceed our clients expectations, but they went above and beyond to make sure our client was happy. If you are a realtor and looking for a great lender, I highly recommend Anita and her team. They are extremely professional and always have the clients best interest at heart. Thank you for being such a great partner! I really appreciate all you do.
Nov 19, 2019
Plant Controller
Anita and her team made the entire process so easy! We were completely approved - underwritten - before we even started looking at homes, so we knew how much house we could comfortably afford. Anita and her team kept us informed every step of the way. We started this process in mid-October and now we close on our house December 2! I would highly recommend Anita and her team to anyone. And I would definitely use her again, if we opt to sell what is our newly acquired dream home.
Nov 14, 2019
Director of Analytics
I'm a repeat customer of Anita and her Cardinal Financial Team and they are the Best Mortgage Lender in San Diego! The reason why I like them is that they are technology-friendly and savvy making the loan process for a home purchase a very straightforward and efficient experience. Less than 10 business days to close which was is unheard of!

Anita and her team adjusted to my work/life availability by reaching me where I was more readily able to respond back (text in the morning, email during the day and phone at night). When they did reach out to me, the communication was very concise of what they needed from me to proceed further and also they kept me up to date of where we were in the process and what's next.

From a technology-savvy perspective, they provided me with an online mortgage calculator experience that allowed me to see what the mortgage payment would be and what the differences would mean given the down payment percentage. The tool was very intuitive and really helped me better understand the components of the mortgage breakout and what the final amount that I would need to bring to the table.

I highly recommend Anita and her Cardinal Financial Team!
Nov 13, 2019
Federal Employee
First time home owner. We were recommended Anita and her team by our realtor and at first, being my first time and all, we were very skeptical and worrisome. From the very beginning Anita and her team were extremely transparent and made this process seem SO easy and void of any stress. Their communication was on point and they really do make you feel at home and at ease and they are extremely truthful with you. Anita will keep it real with you no matter what and that is something that’s very rare. People would rather conform to you and tell you what you want to hear but she will keep it real and that’s what you want when making such a purchase like this! If I ever decide to do anything in the housing market whether it’s sell buy or refinance I will be goin back to Anita and her team. Thanks so much everybody!!

**we closed escrow in approximately 3 weeks which is exactly what they said to me..amazing.**
Nov 9, 2019
It is my first time to buy a house, and it was so easy!!! lol. I guess it is not easy normally. Anita and her team helped us so much and made it easy for us. If again i buy a house, I will go with Anita and her team! Thank you Anita!
Nov 8, 2019
Thank you Anita and The Team! This was our first experience buying a home in the States. The process was easy and Anita’s team provided outstanding service. Throughout the process they were kind and professional and worked with us to answer any question. They kept on top of everything that needed to be completed. The Team was proactive if needed but, they were not overbearing. We closed on time with no issues. My wife and I are grateful for an easy and simple closing.
Bravo Zulu on a job well done!🎖
Nov 5, 2019
I am a repeat customer of this Dream Team. I cannot say enough about Anita's ability to show consistency and how wonderful it is working with a competent team. This was my second opportunity to work with Anita and was once again impressed with her responsiveness and her attention to my needs. Once her "team" is on something, it goes smoothly and quickly. Very impressive. I would highly recommend her to anyone.... because she's THAT good at knowing what each individual needs. My experience has taught me that.
Oct 31, 2019
Anita and her team were absolutely Amazing, and I cannot say enough great things about my experience in working with her on my home loan. This was my second time working with Anita and her team, and am so grateful for her wonderful and professional service.
Oct 28, 2019
Anita and her team have gone above and beyond for my elderly mother both when she initially purchased her home and when we recently refinanced the loan. Anita is helpful, knowledgeable and extremely considerate. We had a few unique needs and Anita and her team helped us work through all of them. I highly recommend Anita Aguilar
Oct 24, 2019
Working with Anita has been amazing! She went out of her way to give us a heads up that it may be a good time to consider a refinance. Although initially hesitant, she laid out some scenarios for us and explained the pro's and con's. We trusted Anita and her Team from working with them on our home purchase a year and a half ago. We were confident that she had our families best interest in mind in helping us to reach our short and long term goals. Her proactive customer service and sincere concern for our family helped us save some much needed income for our everyday grind. Thank you Anita and your entire Team for their professionalism and timely service.
Oct 19, 2019
Realtor, #01473117 Pacific Propertiew SD
Amazing work, very impressed on closing our transaction in record time!!! Definitely using you in the future.
Oct 17, 2019
When we bought our house we did our loan with Anita and her team. So when my husband and I decided to refinance there was not other team we wanted to work with besides Cardinal Financial. They were always available, helpful and enthusiastic about being part of the process. They made it easy and I always know they are available even after the finance is complete. I recommend them to anyone that wants amazing customer service and great energy.
Sep 30, 2019
I loved working with Anita and Cardinal Financial. She was always attentive to my what I needed and always a call away if I had a question. I felt like cared about me as a client and wanted to help as much as she could which is rare thing to find. Anita was always timely and always trying to find me a good deal. I was able to go on a pre planned trip and have peace of mind and still she kept me informed about everything. It was an awesome experience.
Sep 26, 2019
Anita and her team are amazing. This has been the second time working with her and could not imagine working with any other team. Anita helped us with our purchase in 2017 and now with our refinancing, both can be overwhelming however with Anita it has been a pleasant experience. I will continue to refer her and use her with any future purchase.
Sep 25, 2019
I highly recommend Anita. Everyone in her team was so awesome. Anita made the loan process smooth and always answering any questions we had. Thank you so much
Sep 24, 2019
New HomeOwner
Anita and her team did the most amazing job. I went to her and her team to simply see what I needed to do to qualify to buy a home. I never thought in my wildest dreams that the time was now. I was not prepared for it all but Anita and her team guided me through it all and I found a place that I can call home. She looked out for me and guided me through the entire process and actually cared about how I was handling everything through the process. She cares about my best interest and that’s a rare thing to find. Thank you Anita and your team for everything.
Sep 18, 2019
This is the second time I have utilized Anita and her team and each time they have been excellent to work with! Despite not speaking with Anita in over 5 years, she quickly returned my call (less than 5 minutes), and recommended the best course of action for my situation. After giving her the "ok" I began receiving my docs almost immediately.

In my opinion, a vital professional attribute is stay true to your word. Anita does exactly that. She has followed through with all her promises and her numbers never changed. Look no further, Anita is the person for you!!
Sep 18, 2019
I love working with Anita and her team! They helped us with our initial home loan, and we just completed our second re-fi with them. They always make sure we understand the process and talk us through any questions or concerns we have. Anita is extremely knowledgeable in all matters financial, but perhaps even more importantly, we trust her with the largest financial investment we'll probably ever make, Thank you, Anita!
Sep 17, 2019
Project Manager
For the third time, Anita and her team (big thank you to Kristie) have masterfully guided us through another transaction. We had several questions and wanted to review multiple options before deciding which financing route to go and all were answered with facts and detail to help ensure that we were making the best decision for us. One thing that I want to point out is that Anita was looking even further in to our future than we were. At one point in the process, she commented that in X number of years she sees our final transaction for our forever home will be to get us in to a 10 or 15 year loan to get towards paying it off and really enjoy retirement. That’s always been our goal, but most of the time it seems that it’s only a dream… but she showed us how it is a very real option and path for us. So I thank you, Anita, for not just looking out for us and our future - but for allowing me to ‘see’ that I too can possibly have that paid off dream a true reality for our peace of mind. Thank you again for making this simple, stress-free, and for taking such amazing care of us.
Sep 17, 2019
Real Estate Agent
I'm so thankful for Anita and her team. Their incredible professionalism, their attention to detail pertaining to work is amazing. Anita has not only helped my clients but also has helped my parents with their home loan. Working aside Anita is not only a pleasure but a true honor. Thank you Anita for everything you do for your community!
Sep 17, 2019
Chief Medical Information Officer, Accenture
Anita and her team were on top of everything throughout the process. She made the buying process effortless and as simple as possible for us. I would highly recommend she and her team to anyone purchasing property .
Sep 16, 2019
Anita has helped us twice with our refinance and now with our purchase to our dream home!! Always so helpful and informative, even with our million questions at different hours of the day. We have complete trust in Anita and her team. Highly recommend her to all my family and friends to trust with their future homes! Everyone is all so friendly and easy going. Anita is our go to girl!!
Sep 5, 2019
Business Manager
I have worked with Anita multiple times. She is a great resource to answer any questions about financing a new home or refinancing your current home. Her attention to detail and ability to understand exactly what the clients short and long term goals are, is a great find in an industry driven by numbers. I would recommend any family or friend to her. I look forward to working with her and her team in the future, and I hope to send some recommendations her way soon!
Sep 5, 2019
Regular folks
There's quite a lot we can say to recommend Anita and her team: Their incredible professionalism, their attention to detail pertaining to our real estate needs, etc. Honestly though what really impressed us was their kindness, honesty, and their undeniable experience. Have a question that you feel an adult your age should know about a simple loan document? Not only will they EVER make you feel stupid about asking said question, but will gladly go through all of the other hundreds of possibly stupid questions you definitly have. Worried you're reaching for a property outside your price range? We did, but Anita and her team provided extensively detailed and easily readable loan reports that displayed every price range that we needed and didn't think we needed. It almost felt like they went out of their way to make what should've been a stressful, anxiety ridden process into a surprisingly pleasant one. Having now reached the end of our home buying journey, we can't thank them enough for how great of an experience they made it for us. Thank you so much for everything!

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