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  • Customers like
    • Rates3
    • Interest rate3
    • Initial response3
  • Customers don't like
    • Customer service6
    • Being mislead5
    • Lies4

  • 3 hours ago
  • Loans and Mortgages
  • Houston, Texas
  • 5

Due to the low rate and overwhelming response to refinance they were ill equipped to handle the influx of refi's. My loan sat unattended for 30 days after I sent them all the paperwork they required. They finally asked for a final payoff amount from my current lender on the 11th of March. It was good thru the end of the month. I closed on the 26th of March with my attorney but CF did not release... Read more

Was this review helpful? 0 0

  • May 10
  • Loans and Mortgages
  • Mortgage Loan
  • 506
  • REVIEW RATING 5/5

The loan officer Chris told us if our closing funds from the seller exceeded the closing costs we'd have a check cut to us. Based on this information we changed the contract to add some additional funds instead of having the sellers repair a few items. I sent it to the loan officer and processors and everything was expecting me to get a check at closing. We heard nothing back for 2 weeks and at... Read more

Was this review helpful? 6 1

  • May 05
  • Loans and Mortgages
  • Wilmington, North Carolina
  • Mortage Refinance
  • 263
  • REVIEW RATING 5/5

Somehow Sebonic Financial ended up turning into Cardinal Financial who worked with me. I was close to my lock expiring and they extended it because they said the title company was giving them problems on my refi. I told them I never told them to use their title company which is 4 times the cost for a reissue. They then dragged their feet saying that they have not been able to contact my title... Read more

Was this review helpful? 5 1

  • May 01
  • Loans and Mortgages
  • Tucson, Arizona
  • Loan Appraisal
  • 488
  • REVIEW RATING 5/5

They offer a good rate and a 30 day lock. You wont get that. They offer a big credit up front, but you will pay it on the back end. The appraisal will cost more than they say. My appraisal needed to be special, which cost more. They quoted me 485 and it went to 600. I still haven't gotten an answer as to why. The appraisal lady brought her mom and dog with her to the appraisal. I should... Read more

Was this review helpful? 5 0

  • Apr 28
  • Loans and Mortgages
  • Charlotte, North Carolina
  • Mortgage Loan
  • 378
  • REVIEW RATING 5/5

As a Realtor selling homes for over 20 years in the Charlotte, NC area, & have worked with numerous lenders, I have NEVER dealt with such a difficult loan originator! Not only does Cardinal Financial & the parent company Sebonic make it extremely difficult to actually reach a live person with their phone *** system, but the loan guy "Brent Bonner" was unprofessional, rude & not... Read more

Was this review helpful? 5 2

  • Mar 10
  • Loans and Mortgages
  • Fort Lauderdale, Florida
  • Property Appraisal
  • 1720
  • REVIEW RATING 5/5

This company is a joke. Do NOT use them. They said we were "pre-approved", which means give us your money upfront that is non-refundable and then we will drop you like a hot potato. John Keller, the representative we first talk to from this company guaranteed us we would close in 2 weeks. Didn't happen. I shared my concerns with Mr. Keller about the online reviews and his response was, "Some... Read more

Was this review helpful? 12 3

  • Mar 05
  • Loans and Mortgages
  • Asheville, North Carolina
  • Mortgage Refinance
  • 916
  • REVIEW RATING 5/5

I too have fallen victim to the "sure we can close your loan in less than 30 days" lie. When I originally shopped around other lenders were giving me 45 day lock quotes. I decided to go with Sebonic/Cardinal since they were the "cheapest". Well now that i'm stuck with extension fees, the deal doesn't look so good. DO NOT DO A LOAN WITH THESE GUYS UNLESS YOU LOCK FOR AT LEAST 45 DAYS!!! How... Read more

Was this review helpful? 12 0

  • Feb 18
  • Loans and Mortgages
  • King County, Washington
  • Loan
  • 2
  • 2
  • 1765
  • REVIEW RATING 5/5

I was shopping for a refi and requested a call. Charming loan officer said he could get me a loan after looking at my credit report, score high 700s. Sent all docs within a few hours of request. They lose them or claim they didn't get there. No contact for weeks, then want something else. Five days to end of lock they want termite inspection, which I had never been asked to get! $300! Did it. Two... Read more

Was this review helpful? 9 2

  • Jan 28
  • Loans and Mortgages
  • Home Mortgage
  • 1158
  • REVIEW RATING 5/5

WARNING - do not refi or start your mortgage with this company! Buying a property is serious and cannot be trusted to companies with subpar customer service or those who have no regard for your financial well being. My lender at Sebonic went MIA, would not accept my calls or return my calls for 11 days straight. My closing date is about 2 weeks away and I have no idea if he has the documents he... Read more

Was this review helpful? 18 0

  • Jan 21
  • Loans and Mortgages
  • Vonore, Tennessee
  • Loan
  • 1051
  • REVIEW RATING 5/5

Misled. Bombarded with multiple requests for same documentation over and over again. Late fees to construction loan lender charged to me because they paid off loan after due date. Don't trust them. They are really smooth sales people on the front end and then the frustration begins after they have you far enough along it is difficult to drop them. With a credit rating of 800 and over $2 million... Read more

Was this review helpful? 19 1

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