Cardinal Financial Company, LP Mortgage Complaint

Cardinal Financial Company, LP Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker California

I applied for a loan with Cardinal Financial. I was contacted by the loan officer - - who told me based on everything I was telling him and the documentation I provided him he was able to do the loan. I provided my paystubs and - the day he requested them. He told me I was approved and collected $450.00 for an appraisal. It was two weeks after the appraisal and - stopped returning my phone calls or responding to emails. Finally in a text message he told me I have been declined for the loan. That was the last time he replied or responded to any attempt I made to contact him. I feel he misrepresented the likelihood of being able to refinance my mortgage or does n't have enough experience with the guidelines to know if he can do a loan. I was told I was declined due to debt to income problems, but all my income was provided to him as soon as I applied for the loan on day -.