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  • Customers like
    • Interest rate 6
    • Initial response 4
    • Rates 4
  • Customers don't like
    • Being mislead 9
    • Customer service 7
    • Total lack of communication 6

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... Read more

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I was quoted 4500 in closing costs on a loan and was finally given an estimate of 12K. Very shady company. They made huge mistakes in the closing costs update and it keeps getting higher. Their requirement for paperwork is unrealistic and frustrating. I had to refax documents over and over before they go them. Go with a local bank which will be much easier to deal with. NOT recommended! One big... Read more

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I worked with Joe Perkins to refinance my house and I was very pleased the way he handled ito whom I worked with a Joe Perkins and Mark to refinance for my house and I was very pleased with the outcome. I started working with Joe in December of 2015 and I closed January 27, 2016.Joe and Mark performance were supper. Joe explained to me and there was NO hidden cost at all. in future I love... Read more

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Was a bad experience. It was all good til the appraisal came in then didn't hear from them for a while then never whem though with my approval. Had to find someone else to help me. Add comment

The closer sends you a customer care number and good luck ever talking to him again, until you're finally so frustrated you move the loan. The processor had no idea what she was doing and I have this in an email. You call into a call center like Att however Att does this better...sadly. The absolute best is they won't be able to close the loan last minute and charge you for that. Zero customer... Read more

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Justin Fry is the best mortgage guy ever. He is super nice and was very helpful in leading to purchase my first income property. Although he said he wouldn't personally open his checkbook for investment properties with his childhood friend, he did have many helpful answers. Add comment

I had a 3 month long painful experience with Sebonic. I started with Cardinal Financial and they transferred my loan to this company when I tried to refinance a rental property. I actually started the process of purchasing a house with a local mortgage company one week after I started the refinance with Sebonic. My local mortage company was a pleasure and a breeze to deal with compared to... Read more

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I had a very bad experience with sebonnic. I was upfront about the house I was buying a forclosure and needing repairs. I was told no problem and I filled out ap. Sent and started process. Did the appraisel as instructed. At that time appraisel showed and stated missing air conditioner and heat pump. Process continues and sebonnic collects all my info and bank records. Now it's time to... Read more

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To whom it may concern- I worked with a Joe Perkins to close on a cash-out refinance for my mortgage and I am not pleased with the outcome; I started working with him in Feb of this year based on his proforma, I moved forward and incurred costs associated with the appraisal of my property of about 450.00 which he promised would be reimbursed upon closing. Fine. Well the loan never closed and was... Read more

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I am currently in the midst of a no-cash-out refi with Sebonic. I decided to refinance my existing FHA loan into a conventional loan as this would save me a bit on P&I (due to a lower interest rate), as well as doing away with a $200.00 a month mortgage insurance premium. I began this process at the beginning of October, sending all requested documents immediately, as well as paying for an... Read more

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