Sebonic Financial Complaints and Reviews

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Sebonic Financial
Main address: 3701 Arco Corporate Drive Suite 415 28273 Charlotte NC
877 721 6866, ,
  • 27 complaints
  • $19.3K claimed losses
  • $715 average
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  • 1 day ago
  • Loans and Mortgages
  • Cupertino, California
  • Mortgage Refinance
  • 44

Several delays in processing the loan despite proof that the loan docs were sent via fax. There were many many delays from the firm about my loans. The email from the manager said that she would respond but she was overloaded because all of her team was on vacation. On the day before the loan closing, they told me about a problem and that it would cost $3000. They basically had my back to the... Read more

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  • Nov 18
  • Loans and Mortgages
  • Grapevine, Texas
  • Mortgage Refinance
  • 319

This company claims to disclose all of their fees, and they do not. They use confusing language to disguise fees. They delay, delay, delay, then try to charge YOU multiple times to lock in the rate they originally promised you. When I went with another company, these things were confirmed for me. Also, when I tried to get them to release the appraisal I paid for, they made it as difficult as... Read more

Was this review helpful? 6 0


  • Nov 15
  • Loans and Mortgages
  • Houston, Texas
  • Home Loan
  • 269

This company is a joke. These are the most unprofessional people i have ever delt with in my life. They are all talk and no action. I delt with Thor. He was great untill i found the house I wanted and then passed me on and wouldnt return calls or answer his phone. The left hand never knew what the right hand was doing. After 6 weeks of getting no where i fired them. I got more done and closed on... Read more

Was this review helpful? 3 0


  • Nov 06
  • Loans and Mortgages
  • Beaverton, Oregon
  • Mortgage Loan
  • 2
  • 2
  • 587

After six weeks of interminable frustration with Sebonic/Cardinal Financial, I severed all business relationships with them. In 40 + years and more than a dozen real estate transactions, they provided the most miserable mortgage loan processing experience I have ever endured. After four weeks of dealing with their closing process, it became clear that their closing staff was either incompetent or... Read more

Was this review helpful? 13 1


  • Nov 05
  • Loans and Mortgages
  • Myrtle Beach, South Carolina
  • Mortgage
  • 1
  • 1
  • 483

After a thorough review with Keith Moore September 14 of my employment and income Sebonic ran my credit and per approved me . They knew I had a new business and that would not be a issue . I was told the do not sell most of their mortgages . I went from the first person to the next department to make sure all documents were entered and any additional documents needed were uploaded . Jennifer was... Read more

Was this review helpful? 9 0


  • Oct 15
  • Loans and Mortgages
  • Charlotte, North Carolina
  • Loan Application
  • 835

Initial contact impressive then it went downhill with each lender inquiry being from a different person within Sebonic / Cardinal. (9 Nine different individuals + their own cloud) Lots of requests, emails, and work placed on the customer. The requested information was provided to each source and now I wonder if my identity will be compromised. If it happened to J P Morgan, Home Depot, and... Read more

Was this review helpful? 9 7


  • Oct 12
  • Loans and Mortgages
  • Atlanta, Georgia
  • Mortgage Loan
  • 431

Lender took 5 weeks to close two loans...we were running to the abosolute last minute. I had to upload and resend documents 3 and 4 times. Even though I specifically requested that both loans be placed with the same processor and underwriter...they separated them. Closing department was not helpful on the phone even up until a hour before closing...My complaint email was not responded to by 3... Read more

Was this review helpful? 6 2


  • Sep 22
  • Loans and Mortgages
  • Home Mortgage
  • 1406

The first part of the loan went just fine. When we found the house the company moved quickly and gave me a bunch of paperwork to go through (initial proccessing) . All relitivly fine, but there was delay on thier part. Then it went to underwritting and final processing. Itbsat in final processing three days prior to contact. They had no urgency when they extended the lock period past 30... Read more

Was this review helpful? 13 2


  • Aug 24
  • Loans and Mortgages
  • Mortgage Refinance
  • 4
  • 4
  • 2978

John Bennett, our initial contact, was great: not pushy, came through with what he promised, nice to talk to, etc. once we made the deposit and were put in the care of Cardinal financial, things went South in a hurry. Rather than writing a extensive review, I will give three examples of their horrible service: They entered my wife's SSN wrong. It took them one week to fix it after I pointed the... Read more

Was this review helpful? 34 8


  • Aug 22
  • Loans and Mortgages
  • Charlotte, North Carolina
  • Employment
  • 4
  • 4
  • 748

They refuse to hire me though I am over qualified compared to the people they have hired over the last few months. I was informed by one of their current employees that they are racist and out of their 100 plus employees have less than 5 African American employees. I applied quite some time ago and since that time several caucasian employees have been hired in the operations department with... Read more

Was this review helpful? 14 28
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