I submitted my information so I could review quotes from other companies. I went with another mortgage company. I have told Cardinal Financial several times to remove me from the call list. I get a Robo call with illegal spoofed number every morning at 9:14 AM. We are retired and sleep late. This continually wakes us up. This company has no ethics and I do no recommend ever giving them your information for a mortgage loan. They will hound you relentlessly. User's recommendation: Do not call Cardinal Financial.