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  • Customers like
    • Interest rate5
    • Rates4
    • Initial response3
  • Customers don't like
    • Customer service7
    • Being mislead6
    • Total lack of communication5

  • Aug 30
  • Loans and Mortgages
  • Portland, Oregon
  • Mortagage Assistance
  • 133

I submitted a request to be assisted in securing a mortgage via Zillow. Pat from Sebonic emailed me and I also received a survey to fill in from Sebonic explaining my mortgage needs. I responded to both and did not hear from Pat again. I emailed him again asking if he was able to respond. Nothing. So in summary, Sebonic seems to have a great automated machine follow up but when it comes to an... Read more

Was this review helpful? 1 1

  • Aug 21
  • Loans and Mortgages
  • Broomall, Pennsylvania
  • Sebonic Financial Loan
  • 190

Nightmare experience from the beginning. I am going through divorce they told me from beginning I need a separation. Ageement not a divorce decree. From the very beginning the loan officer messed documents up. Took weeks to respond to emails and then tried to charge me for a rate lock extension. Loan was going to closing this week. I was told my ex just needed to sign of on documents. ... Read more

Was this review helpful? 2 2

  • Aug 18
  • Advertisements and Cons
  • Washington, District Of Columbia
  • Refinance
  • 269

They have a good catch in the first days and then Sebonic hands you to Cardinal Financial and you are screwed. No customer service, they cannot close in 45 days, and the mistakes are internal to the company. RUN AWAY from this company. They do not reply to voice mails or email. They promise a low rate, but do not deliver. They have said all the paperwork is ready to close on August 20th, but... Read more

Was this review helpful? 3 0

  • Aug 10
  • Financial Scams and Schemes
  • Lake Worth, Florida
  • Sebonic Financial Loan
  • 491

Simply stated, I was given a 45 day rate lock and was not introduced to my loan processor until day 43. This system is designed to be delayed so that you pay excessive rate lock fees at closing, when you are exhausted and desperate to close. Sebonic told me to pay $2,000 toward a car lease to get my Debt to Income Ratio aligned with underwriting standards, then realized they made a mistake and... Read more

Was this review helpful? 9 1

  • Aug 04
  • Loans and Mortgages
  • Wylie, Texas
  • Sebonic Financial Loan
  • 1
  • 1
  • 382

I have refinanced before and have never had such horrible service. the good faith estimate given 3 days before closing was off by $450. Fees were added that were not disclosed. I provided my paper work on day 2, they sat on forms for 3 weeks. Then took forever to get paperwork processed and then tried to charge me the extension fee of $390 when they were hold up. There estimate for months of... Read more

Was this review helpful? 7 1

  • Aug 03
  • Loans and Mortgages
  • Phoenix, Arizona
  • Sebonic Financial Home Mortgage
  • 1
  • 1
  • 418

I wish I would have found this site sooner. I had a similar experience to all of you. In fact I'm still waiting to close and can't switch to another lender at this point. Hopefully they can close tomorrow as promised, otherwise we may lose our new home. I'm so frustrated, I'm thinking of flying to their office and going postal. For those looking at Sebonic, run away as fast and as far as you can.... Read more

Was this review helpful? 3 1

The loan was delayed even though contract was written 3 months prior, excellent credit score. Customer service was terrible and closing was delayed due to lack of responsiveness. Warning- Do not be fooled by their low rates. You will end up paying for it one way or another! Add comment

  • Jul 01
  • Loans and Mortgages
  • Hebron, Indiana
  • Sebonic Financial Loan
  • 578

I have been waiting for a clear to close since the beginning of May 2015. If we do not get a clear to close by tomorrow I am going to complain on the link below at the better Business Bureau. We already loss $700 with this process for an appraiser and a water test. It was very frustrating when you do not get a call back from someone especially when they know you are running out of time. This is... Read more

Was this review helpful? 7 2

  • Jun 28
  • Loans and Mortgages
  • Irvine, California
  • Mortage Refinance
  • 811

Our rifi was as simple and straight forward as it gets. No cash-out with loan to value less than 50%, credit score 800 and zero debt. While they managed to fund the loan on time, the Sebonic or the entities they use absolutely do NOT return calls, and if you do get someone live they cannot answer the simplest questions. Maybe out of fear or just very unknowable. The appraisal company they... Read more

Was this review helpful? 4 1

  • Jun 18
  • Loans and Mortgages
  • Seattle, Washington
  • Home Mortgage
  • 654

I initiated a loan with Cardinal/Sebonic in March, 3 months ago. To summarize, I am not at all pleased and feel this company is incredibly slow and at times borderline incompetent. I disclosed a potential credit issue to the loan officer up front and asked that she verify with an underwriter before we proceeded with charging for the appraisal. She checked with a supervisor and was assured there... Read more

Was this review helpful? 10 2
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