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1.6 Based on 49 reviews
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  • Customers like
    • Interest rate 7
    • Initial response 4
    • Rates 4
  • Customers don't like
    • Being mislead 10
    • No idea what they are doing 8
    • Total lack of communication 7
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Warning ! Do not use this company! They lack knowledge about VA refi program and will put you through unnessasary stringent requirements. Even if you have perfect credit. They don't respect the military nor do they understand how the military works or the VA loan process. It's not an easy process to get the refi with this company and you will get varied answers. Mislead and they really don't care about your business. If you are a veteran or... Read more

Was this review helpful? 5 0

I applied for refinance my home and this company told me $1000 of closing costs. Took extra for appraisal and their own people did appraisal. They appraised below the market value and company asked me to pay $3500 for closing costs and said your home value is less. Few years back home was appraised more than this appraisal. Now every day market value is going up. They took $610 for appraisal to blow my ...... and raised every corner. They are... Read more

Was this review helpful? 2 1

I used to work for a mortgage brokerage as a software engineer - I'm not going to mention the name, but they even did a better job at guiding their customers through the process and they were far from perfect. I would like to think that I'm one of the customers a financial institution would be dying to have with 738 credit, a high salary and purchase agreement in hand. After talking to a loan officer for around an hour and a half (wth!) I... Read more

Was this review helpful? 6 5

Sitting right now at closing. We've been sitting here for 2 1/2 hours, still waiting on Cardinal Financial (Sebonic's mortgage half) to get their act together. We had notification that the funds were released, but they required some code on the paperwork they failed to provide. No one was answering their phones ow emails!! I finally got a hold of someone unrelated to anyone assigned to our mortgage, and now we're waiting for them to resolve some... Read more

Was this review helpful? 4 4

I filed an application for out-of-state mortgage pre-approval through Sebonics. Never heard back from the mortgage originator.I emailed him twice and called and left a message. Finally, I complained on Sebonics web site about poor customer service. I was told the mortgage originator that they referred me to wasn't licensed in the state where I wanted to purchase a home so he couldn't handle mortgage there! He was so unprofessional that he just... Read more

Was this review helpful? 5 0

I don't even know where to begin. My experience with Sebonic Financial (Cardinal Financial) was an exercise in ridiculousness. My refi should have been so easy...40% LTV, great credit and assets, etc. They could not get it done. First they said the appraiser told them the house wasn't permitted which was crazy. The four times I refi'd in the past, the appraisers had no problems finding the permits. I had to send the permits to the loan... Read more

Was this review helpful? 8 1

Just received a call from this company saying that I somehow received a deposit from there company almost six years ago. When I tried to ask what is going on and why I was receiving calls from their company, when this is the first time I have ever heard about a loan from whatever company that they are, they simply told me my address from 7 years ago, which can be found on any credit check, and continue to yell at me saying that they are sending... Read more

Was this review helpful? 7 0

We are presently going through the process with Sean Mahar at Sebonic. The communication, professionalism and his knowledge of the process has been far above what I would've expected, based on overall reviews of the home loan process. Cardinal Financial is apparently the parent company of Sebonic. Dawn has been very easy to get in touch with through Cardinal and it has been for the most part a very easy ride, until yesterday, 4 days before... Read more

Was this review helpful? 4 0

I am the buyers agent on a Sebonic loan and the communication is horrible. I emailed last week to make sure we were on schedule to close today and the answer was yes...well today is the day and we haven't closed yet and probably won't. Yesterday their system was "down" and the processor still hasn't returned my call. She did finally decide to talk to the buyer and the title company and asking for documentation that should have been asked for... Read more

Was this review helpful? 7 0

Second time around with Cardinal and just as disappointed if not more so than the 1st. Simple straight-forward refinance with cash out that turned into a juvenile fiasco of mortgage processes. The rep doesn't know basic mortgage terms, couldn't intelligently inform me of what program he was setting me up in, didn't know basic processes, complete lack of communication and finally a bad appraisal and delays that resulted in me cancelling the... Read more

Was this review helpful? 6 0
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