What is Cardinal Complete™?
Cardinal Complete is our full-service, end-to-end loan processing solution. We handle all the details of your loan, giving you time back to build your business. See full list of Cardinal Complete FAQs here.
How can I check my broker approval status?
Please check your Comergence account or contact your account executive.
What documents are needed for my broker renewal?
We need year-to-date financial statements (a balance sheet and a profit-and-loss statement) and the renewal questionnaire you’ll find in Comergence.
What does “Renewal Suspend” mean in Comergence?
If your account is in a “Renewal Suspend” status, this means that the 60-day window to submit your renewal documentation has expired. We will need to relaunch the renewal for you. Please contact your account executive.
How do I add users to Octane?
Please contact your account executive and they will submit the request to our Support team.
What credit report agencies do you work with?
- Accurate Financial Services
- Advantage Credit Inc.
- Advantage Plus Credit Reporting, Inc.
- Alliance 2020
- American Reporting Company
- Birchwood Credit Services
- Certified Credit Reporting
- CIC Credit
- Cisco Credit
- Clear Choice Credit
- Consolidated Information Services (CIS)
- Credit Information Systems
- Credco
- Credit Link
- Credit Plus
- CredStar
- Credit Technology Inc. (CTI)
- Credit Technologies Inc.
- Data Facts
- Equifax Mortgage Services
- Factual Data/Kroll
- Factual Data by CBC
- Information Searching Company
- Informative Research
- KCB Credit
- Merchants Credit Bureau (MCB)
- Merchants Credit Bureau (SAV)
- MFI Credit Solutions
- Midwest Mortgage Credit Services
- Partners Credit & Verification Solutions
- Premium Credit Bureau
- Premium Credit Bureau (Credit Data Corp.)
- SARMA
- Service 1st Information Systems
- Settlement One
- United One
- Universal Credit Services
- Xactus
How does my organization become approved to submit VA loans to Cardinal Financial Wholesale?
There are a few steps to get approved to submit VA loans to us.
- Sign into Comergence and fill out the VA approval form.
- Write a check for $100 to the Department of Veterans Affairs.
- Mail your VA approval form and the check to our headquarters at:
3530 Toringdon Way, Suite 200
Charlotte, NC 28277
Who services my client’s loan after it's funded?
Our servicing partner is ServiceMac, LLC . Your client can register online at https://myservicemac.com/ to easily make payments and view their account details after their loan is funded. Other loan services provided by ServiceMac include billing, payment processing, escrow payments, year-end IRS reporting, ARM adjustment notices, and payoff services. If you or your client have any questions for ServiceMac, please call (855) 416-8962.
What is the process for sending the initial CD?
When you have satisfied all CD requirements, we will send out your CD immediately and follow up with a phone call.
Do you need my signed disclosure or will you use your own?
No, we send out all disclosures, including state compliance disclosures. We provide you with a complete loan stack after your loan funds in case your file is audited.
